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

Made a check deposit on Saturday XX/XX/XXXX for {$180.00}. Monday was a bank holiday, so many were closed. I called a regions banker on XX/XX/XXXX and she told me my funds were suppose to be available that same day, she told me to wait at the end of the day because ( and I believe this is regions way of creating unbalanced checking for their consumers that decided to bank with them ). Well as of XX/XX/XXXX my funds are still pending. So it's been 4 days and 1 full business day since I made the deposit on Saturday. So this process is on purpose and it's pointless to hold such a small amount in limbo.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEW COMPLAINT On XX/XX/XXXX, XXXX XXXX XXXX installed an incorrect windshield in my car. I gave them a check for {$100.00} for the deductible. In resolving the issue, the XXXX representative recommended I cancel this check. However, this was not adequately communicated within XXXX and they accidentally sent it to a collections agency, XXXX XXXX debt collection. When I returned a voicemail from XXXX XXXX, the representative would not listen to my explanation, told me she was submitting the case to collections and hung up on me. She would not return my repeated calls. Concerned, I submitted the first complaint to the CFPB and XXXX XXXX 's response on XX/XX/XXXX was " We have been advised by the creditor to remove the account from collections. This will not affect the complainant 's credit. '' However, on XX/XX/XXXX, XXXX XXXX  in fact submitted a " New Collection '' on my credit report. I filed a second complaint on XX/XX/XXXX and their response was " We sent a notice to delete the trade line from consumers credit report today. '' As of today, XX/XX/XXXX, the New Collection still appears on my credit report. Please remove this item as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian are putting false information on my credit report without my permission. They never verified anything with me, so now they are defaming my character. I sent all 3 a letter and they still have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 6 student loans accounts on XXXX is reporting a total DIFFERENT ACCOUNT NUMBER and BALANCE then XXXX. XX/XX/XXXX reporting XXXX '' on all 6 Dept Of ED/NAVIENT Accounts, which is very inconsistent from XX/XX/XXXX Record but also very unorganized and incorrect and not 100 percent accurate which is a violation. The same account on XXXX reporting a different account number of " XXXX " XXXX '' XXXX '' " XXXX '' " XXXX '' " XXXX '' These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure thats all information reported is consistent and most importantly accurate and you have failed to do so. Please Delete this erroneous account immediately.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute inaccuracies on my credit report maintained by your agency, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e. This section of the law mandates that consumer reporting agencies must ensure maximum accuracy by obtaining evidence from furnishers of information prior to reporting it to a consumer 's credit report. 

REGARDING THE FOLLOWING [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, If you fail to provide evidence Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws : 15 U.S. Code 1681e ( b ) - Accuracy of report 15 U.S. Code 1681a ( XXXX ) -Definitions XXXX rules of construction 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to XXXX of personal information THEN YOU SHALL DELETE THE ACCOUNTS LISTED Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused. 

I expect a written response from your institution confirming that corrective measures have been taken. 
Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights.
Product: Student loan

In XX/XX/XXXX, I spoke with General Revenue Corporation. I was willing to get into a payment arrangement to start paying off my loans. As per them, they told me that I needed to make a payment to them to pull my loans out of default and that i needed to consolidate my 2 student loans. I told her that i did not want to consolidate them, and that i just wanted to make a payment arrangement with them to start paying them off. That is when i was told that payment arrangements were not available to me because i was in default, and i had to make the 1 time payment first. Then she told me that my account was ready to be transferred and as soon as i made the payment and consolidated my loans, that they were handing my loan debt off to a new company. On XX/XX/XXXX, I received a letter in the mail from XXXX XXXX stating that General Revenue Corporation is requesting a wage garnish on my loans.
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from XXXX XXXX of XXXX located at XXXX XXXX XXXX, XXXX, MD, XXXX on XX/XX/XXXX. The purchase was in cash. However the dealer performed a hard credit inquiry without my permission and without legitimate business purpose. The dealer said they would submit a letter to Credco  to get the hard inquiry removed however to date it has not happened. I contacted Credoco as well as XXXX and they have been unhelpful thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- Is not reporting on this account Experian - Account Name - XXXX XXXX - XXXX XXXX - Account Name - XXXX XXXX - XXXX Experian is reporting the account name as XXXX XXXX. XXXX is reporting the account name as XXXX. Experian is reporting the Agency name as XXXX XXXX XXXX XXXX is reporting the Agency name as XXXX XXXX. They failed to verify the debt within the 30 days of me requesting for the verification. 

XXXX - XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting the status of the account 120 Days late twice, Experian is reporting the status of the account as 180 Days late, and XXXX does not report the status of the account. 
This account is being reported with a different date of activity date and continuously being updated amongst each credit bureau and is not properly verified or consistent. XXXX is reporting the last date of activity as XX/XX/XXXX, Experian is not reporting the last date of activity, and XXXX is reporting the last date of activity as XX/XX/XXXX. 
This is negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. 

XXXX, Experian and XXXX reported late payments that they failed to verify. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Experian - XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has reported as having late payments in my credit report. I am demanding that this account be updated to Paid as Agreed and Never Late. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations. I demand that these above mentioned derogatory items be permanently removed from my credit report. In accordance with the fair credit Reporting act XXXX XXXX and XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Mortgage

After many months, we were finally able to reach an affordable loan modification with XXXX. But soon after that, XXXX grossly miscalculated our escrow - they charged us {$1200.00} per month for insurance instead of the correct amount of {$1200.00} per year. Despite repeated efforts on our part, they would not fix the problem, they stopped crediting our payments correctly, and they put us into default. Instead of fixing the problem, they sold our account to RCS, which is now foreclosing on us because of XXXX malfeasance.
Product: Credit card or prepaid card

I had a credit card with NY & Co, had placed an order in XX/XX/2021, and XX/XX/2021. I then placed my third order of 2021 on XX/XX/XXXX. I received no error message, and order showed processing. I received a letter on XX/XX/2021 stating my account had been closed due to inactivity and/or information on my credit report. My score had recently gone down due to increased usage overall, but Ive never been late on any credit card payments. The funny thing is, they still shipped the order, even though they closed my account, so they still wanted that sale. I called Comenity, and they stated that was their policy. They said my account was closed on the XXXX, and it must have taken a couple of days for it to show, since I placed my order on the XXXX. So now I received my order that I had to pay on a closed account. Even if my overall usage went up, I had been making purchases with the company and was never late on this card or any others.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about an unauthorized financial transaction involving a vehicle purchase allegedly made in my name and financed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, informed XXXX XXXX that a vehicle was to be purchased under my name and collected payment despite the vehicle being in my possession for only 32 hours. According to our agreement, the deal was not finalized until I provided a {$2000.00} down payment, after which all necessary paperwork would be completed and handed over to me. Despite being given a limited time to test the vehicle and the assurance that all documentation would be handled electronically, I did not receive any copies or formal agreements at the time of the transaction. All agreements were verbal, and it was understood that I had a brief evaluation period to decide on the purchase. However, the dealership proceeded to collect payment from XXXX XXXX without my consent and before any formal paperwork was completed. Within those 32 hours, I contacted my bank 's finance representative who advised me of a better deal on a newer car at XXXX dealership. Consequently, I returned the XXXX vehicle and proceeded with purchasing a vehicle from XXXX through my bank 's financing. 
Furthermore, I must address the unsettling incident involving a private investigator sent to my residence on XX/XX/XXXX on behalf of XXXX XXXX. The investigator was instructed to retrieve the vehicle from my possession, despite its return to the dealership within the agreed-upon timeframe. Information gathered by the investigator was reportedly obtained from XXXX XXXX. My legal representative, XXXX XXXX, subsequently contacted XXXX XXXX to clarify the financial obligations attributed to me. It was discovered that the vehicle in question had been located by the private investigator, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. Remarkably, the vehicle had been at the dealership since XXXX XXXX XXXX  salesman, returned it in XXXX, on my behalf, after a XXXX salesman I had previously interacted with was unprofessional in our dealings.
Product: Credit card

I bought a battery for my truck on XX/XX/year> for the amount of {$260.00}. After the auto store checking out the old battery, they realized it was still under warranty. So the auto store issued a full refund in the amount of {$260.00}, on the same XX/XX/year> date. The transaction didnt refund so I disputed it with Apple Card Goldman Sachs Bank XXXX They accepted my dispute and sent a provisional credit of {$260.00}. However they applied that toward my total balance instead of my available credit. Had I used a debit card to make the same purchase, and I disputed it, they would have issued a provisional credit to my account and the funds would be there available for me to use. I chatted with XXXX, a Goldman Sachs representative, regarding this issue and she said it was normal protocol. I told her I found that unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple Accounts on my credit report that do not belong to me I have not opened these accounts I have not signed or approved these accounts. I have tried to reach out to the bureaus as well as the furnishers but they are not helping me they are not opening an identity theft report for these accounts I need help to get these unknown accounts off my credit report it is affecting me personally and emotionally. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX INQUIRY Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

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Product: Bank account or service

Good Afternoon, I signed up for a promotional offer or a Citi Gold checking account from Citi Bank for XXXX XXXX XXXX Miles. I met all the terms of the promotional offer which was confirmed through secure messaging on Citi 's website. It was confirmed I met the terms through 2 different representatives in 2 different secure messages. All along I have been paying $ XXXX monthly fee in the hopes the XXXX XXXX miles would post to my account as advertised. This has cost me additional money, with no promotional reward to offset these fees.
Product: Checking or savings account

on XX/XX/2020 a payment was processed for a fraudulent order for {$130.00} through XXXX XXXX which debited my checking account I contacted XXXX XXXX immediately to show that the order was fraudulent by a seller impersonating a tool representative for the XXXX brand. 

XXXX XXXX responded that I can try to contact the seller to reverse the payment or contact my bank. 

The seller after committing fraud obviously disappeared and became unresponsive. 

I submitted a fraud investigation with chase bank on XX/XX/XXXX. Chase has been entirely unresponsive since, until they sent a response on XX/XX/XXXX with no details, saying they investigated the charge and consider the claim valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the companies and the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ABSRES INV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to apply for a mortgage and the lender is not able to pull Equifax report. I used to live at one address which is very similar to where I am staying for the time which is 5 houses down from our old place. You are not letting the mortgage lender XXXX XXXX run my credit due to a " freeze, '' that is not even on my credit report after speaking to 4 different agents within the past week! I need you to allow any and all mortgage lenders to run my credit report ASAP as I am needing to apply for a home loan in this present moment.
Product: Debt collection

I contacted the collection agency regarding debt reported to the major credit bureaus, I have requested multiple times to validate the debt ( provide how the amount was calculated, copies of paperwork showing I agreed to pay the amount, and provide license to collect debt in my state ) and they have yet to provide what I am requesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX   Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance:XXXX
Product: Debt collection

I have Medical bills in collections from my son when he was XXXX or over. The Company did not verify guarantor at return visit. I am not responsible for this bill, I did not rendor services
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the store. I didn't take the proper measures afterward, I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been opened. There are way too many fraudulent accounts opened that I am not familiar with and a outrageous amount of inquiries that not all I was able to list on here. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$540.00} XXXX XXXX {$450.00} XXXX AR XXXX {$590.00}
Product: Checking or savings account

I have an account with Bank of America and I used their transferring service ( XXXX XXXX to transfer {$990.00} to a friend of mine to another Bank of America account and the money is nowhere to be found but taken out of my account on XX/XX/2019. Ive reached out to BOA and we submitted a claim ( XXXX ), I just heard back and claim was closed because allegedly the money was transferred. My friend went to BOA and they told her that the {$990.00} were not in her account and that we needed to call back and now theyre telling me to tell her to call. Im back to step XXXX.
Product: Credit card

This is to protest and denounce Concora Credit Inc.s recent mail notifications that they have raised their previously usurious APR to an outrageous 35.90 % on my Destiny and Milestone credit cards ... and their decision to start charging a {$130.00} annual fee on both cards. The company is located in XXXX, Oregon. 

What they have done is force me to no longer use either of these cards for any purchases whatsoever. And by charging the {$130.00} annual fee without permitting customers prompt recourse, they have essentially extorted those annual fees in the full knowledge that to close these accounts would inevitably negatively impact my own credit score and those of the millions of people holding these cards.