23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Hello CFPB, I am writing to you today regarding my Checking Acct # XXXX with bank of America.The purpose of this letter is to see if you would kindly to help me to remove the hard notice on my name, where is the reporting of my SSN to XXXX ( XXXX ) and XXXX. 
During the time period this account in 2011, I was in XXXX, XXXX and I had returned XXXX checks from my account at XXXX XXXX in XXXX, where I was a XXXX XXXX at XXXX XXXX. Unfortunately, my money was delayed from the US department of State resulted in suspected fraud activities over my Bank of America account. I was not purposely violating the Bank of America regulations. I became aware of the unpaid balance when I got a copy of a XXXX report in of unpaid balance. So, I acted right away and I paid the balance of {$74.00}. under Cashier 's check No XXXX. I am hoping you might review the circumstances under which this occurred and consider removing the negative hard line associated with my name, and give me the chance to restore my relation with Bank of America, especially, I just arrived as a XXXX and I am building my new career of XXXX in the US. 
Your kind consideration in this matter is greatly appreciated.
Product: Mortgage

Mortgage settlement was on XX/XX/18. 
Pruchase amount {$170000.00} Actions by Consumer ( me ) : Reached out the VA Loan HQ,  Lender, Appraiser, Real Estate agents ( buyer+seller ) but received no useful help. 

Parties Involved Lender : Mortgage Solutions of Colorado, XX/XX/XXXX DBA ( Loan # XXXX ) Appraiser : XXXX XXXX XXXX XXXX, XXXX Seller Broker : XXXX XX/XX/XXXX XXXX Seller : XXXX XXXX XXXX XXXX XXXX Broker : XXXX XXXX XXXX The appraisal was done poorly and the valuation came back the same value even after the XXXX Intiative. Many fees were incuured and the repairs that was ordered by the appraiser were done poorly and the damages are still here today ( attached report and images ). The repairs was ordered to " Remove debris, repair fencing and properly landscape rear yard '' but now I have to deal with broken fences and hazardous objects int he ground. 
Final Version Closing Disclosure was also provided only 1 day to closing when 3 days is the minimum. 

Additional complains to other local and federal regulators will be filed. Please advise other agency I may file with.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Acct # XXXX  # XXXX Acct Name : XXXX XXXX XXXXXXXX Acct # XXXX  # XXXX CXXXX XXXX XXXX XXXX XXXX XXXXXXXX Hard Inquiries Credit XXXX XXXX Inaccurate Address XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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. 
XXXX, XXXX, Transunion I would like deletion of all inaccurate accounts thank you
Product: Checking or savings account

i've done a dispute and its been more then 45 days this company hasn't answered me about received my provisional credit because ive made a dispute about some charges ive spoken with XXXX at XXXX XXXX today XX/XX/23. he basically told me like everyone else just sit down and wait either wait the 90 days until the investigation is over to receive anything I want to know why no one can answer me about receiving my credit until they figure out there investigation I feel like I'm being discriminated against the way im being handle im asking question and not receiving any answers back basically they keep telling me that department will get back to you in two days they've told me this more then three time that ive called then they said they sent me a letter for the credit never got it called back they said they will send me an email never got it called back now the next two times they told me someone will call me in two days no one has called yet its almost the 90 days mark I want to know why I have to wait for my money when it should be insured with this bank I must know are they treating everyone fairly when it comes to requesting for credit while they do there disputes and I will like proof of it cause me as a consumer feel I must be treated fairly like everyone else
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made repeated attempts to speak with this agency regarding an account on my credit report SINCE XX/XX/XXXX. The item has been reporting on my bureaus since XX/XX/XXXX. I called the company XX/XX/XXXX and XX/XX/XXXX and the representatives refuse to discuss anything with my wife or I advising they were notified that we were " represented by an attorney '' XXXX. We have told this company repeatedly, WE DO NOT HAVE ATTORNEY REPRESENTATION. This account is being reported on my credit bureaus and the agency refuses to discuss this and continues to report it. I have not received any correspondence from this company. I have confirmed my current address. They are using this as leverage to file suit over something we can not discuss and have made multiple attempts to remedy. This debt was also disputed 2 months ago and validation of the debt was never received.
Product: Credit card

I received a destiny XXXX  in my maiden name that I havent used in XXXX  years along with an address that I havent used in XXXX years. I never requested this credit card. There was apparently already a balance of {$170.00} on this card. I called the credit card company phone number listed on the back of the card on XX/XX/year> and the person told me that they are starting an investigation on my report and that some documents will be sent to me to fill out, he mentioned something about an affidavit.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I reviewed by Consumer Report and noticed inaccurate/unverified information is being reported by the CRAs. I have disputed inaccuracies with the Creditor/Data Furnisher and both agencies did not provide reasonable procedures followed by law of reporting adverse account information to my consumer report. 

15 U.S. Code 1681e of the Fair Credit Reporting Act ( FCRA ) outlines the requirement for maximum possible accuracy of information in consumer reports. Heres the relevant section : XXXX - Compliance procedures Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates1.

15 U.S. Code 1666b - Timing of Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by section XXXX ( b ) of the FCRA, is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The following accounts are reporting inaccurate and unverified - XXXX XXXX XXXX XXXX XXXX Late Payment reported on XX/XX/XXXX, XXXXCreditior/Data Furnisher did not verify/validate late payments under the FCRA. 

XXXX XXXX XXXX XXXX  Late Payment reported on XXXXCreditor/Data Furnisher did not verify/validate late payment under the FCRA -various reporting of Last Activity, Payment Status, Account Type to all three CRAs by Creditor XXXX XXXX Charge Off-various reporting of Last Activity, Payment Status, Account Type to all three CRAs by Creditor XXXX Late Payment-XXXX  day late XX/XX/XXXX, XXXX ( added after disputing XXXX day late ) ; XXXX day XXXX, XXXX ( added after disputing which shows inaccurate reporting ) -Creditor/Date Furnisher failed to verify/validate late under FCRA-Creditor added additional late payments-CRAs added additional late payments to consumer report without verifying-which shows inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late PaymentXXXX Furnisher failed to verify/validate late payment under the FCRA -various reporting of Last Activity, Payment Status, Account Type to all three CRAs by Creditor
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically delineated within 15 USC 1681 section 602 ( a ), it is unequivocally established that consumer reporting agencies are bound to discharge their onerous duties with a strict adherence to principles of fairness, impartiality, and an unwavering reverence for the sanctity of consumers ' privacy rights. Notably, XXXX, XXXX and Transunion stand as quintessential exemplars of such agencies.please remove the following. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX As a diligent steward of my own privacy rights, as enshrined within the purview of 15 USC 6801, it is incumbent upon me to ensure that my confidential information remains safeguarded from unwarranted dissemination. This obligation extends to any entity classified as a financial institution, such as the entity responsible for furnishing information to credit agencies ( henceforth referred to as " ( Furnisher of information to credit agencies ) '' ). 

Section 604 ( a ) ( 2 ) of 15 USC 1681 unequivocally underscores that the furnishing of consumer reports must be conducted solely in strict adherence to the express written directives of the concerned consumer. Herein lies the crux of the matter : neither the financial institution, nor the consumer reporting agencies, XXXX, XXXX and Transunion possess the requisite consentneither written nor impliedto furnish my information. 

Further fortifying my position, 15 USC 6802 ( b ) ( c ) mandates that financial institutions are duty-bound to elucidate to consumers their right to exercise the option of nondisclosure. Regrettably, no such explanation was tendered to me by ( Furnisher of information to credit agencies ), thus flagrantly contravening statutory provisions.

Moreover, the inclusion of adverse information in consumer reports sans requisite authorization is expressly prohibited by 15 USC 1681C ( a ) ( 5 ), thereby rendering the actions of the aforementioned agencies patently unlawful. 

Per 15 U.S. Code 1681s2 ( A ) ( 1 ) A, any entity furnishing information to consumer reporting agencies is categorically prohibited from doing so if cognizant of its inaccuracy. XXXX, XXXX and Transunion persistence in furnishing such dubious information egregiously flouts this provision. 

Furthermore, pursuant to 15 U.S. Code 1681e, it is imperative for consumer reporting agencies to maintain robust protocols aimed at forestalling violations of statutory provisions, a requirement that XXXX, XXXX and Transunion flagrantly disregard. 

Lastly, 12 CFR 1016.7 expressly affords consumers the unassailable right to opt out of reporting services at their discretionan option I am unequivocally availing myself of forthwith. 

In summation, it is abundantly clear that XXXX, XXXX, and Transunion ( Furnisher of information to credit agencies ) have transgressed a litany of statutory provisions under the FCRA, thereby necessitating immediate rectification of their actions and a cessation of any further violations forthwith.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct number XXXX, XXXX XXXX XXXX XXXX  acct number XXXX, XXXX XXXX XXXX XXXX acct number XXXX, XXXXXXXX XXXX XXXX acct number XXXX, XXXX XXXX XXXX via XXXX XXXX acct number XXXX has violate my rights. 

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

15 U.S.C 1681 section 602 A section 2 states a consumer reporting agency can not furnish an account with my written consent.

15 U.S.C 1681 i ( a ) ensures me that everything being reported should 100 % accurate
Product: Debt collection

I did not receive a subpoena for this debt until 7 days prior to trial. I was unable to attend because of a conflict. My attorney contacted them numerous times prior and after court date to settle account but received no response. They then preceded in garnishing my bank account without notice. I spoke with them in XXXX of 2016 regarding a settlement at that time. When I tried to call back after a 2nd garnishment without notice they refused to honor the settlement. They have been uncooperative & gt ; I left a voice mail with the organization once again and it took them over a week to return the call., when I finally spoke with someone they were rude and belligerent.Asked to speak with a supervisor, but no one was available. No one has returned a call.
Product: Payday loan, title loan, or personal loan

Im trying to apply for loan and the rep refuses to correct my information.They put make XXXX a year when I make XXXXThe company is giving runaround. I asked multiple times seems they dont understand English.They told me falsified income asked them to correct it they refused.
Product: Checking or savings account

I have been requesting for my personal account bank statements and I have not received those for about 4 months now, and for my business account I have been requesting the same and they have refused to send me my bank statements. 

I was in the hospital when I came home I realized my balances were lower than expected however I was getting errors with accessing the transactions so I requested statements and have not received them. 

When I was able to access limited information I disputed via US mail some charges from my personal account and a couple days later followed up via phone. I was after less than a week my disputes were denied. Attached please find the letter I sent regarding my personal account. 

Chase practice of denying disputes in violation of CFPB regulations not only is causing me financial harm but also denying me access to banking.
Product: Checking or savings account

I recently seperated from my husband of 30 yrs. I had to travel for business for extended time. For this reason i told my husband he could stay in the home with my school age daughter ( mortgage is in my name ) until XX/XX/XXXX in order to save money for a new home. I was to be returning to the area in late XX/XX/XXXX. I had chosen to do a short term rental until XX/XX/XXXX as discussed. I viewed many properities on XXXX XXXX as they are furnished rentals. I saw a property on XXXX then again on XXXX. I contacted the owner via XXXX email. I signed a lease and was requested to pay {$500.00} refundable deposit as well as the first month in advance. I was to move in on XX/XX/XXXX. I did extensive research on the property to all good reviews. I was unable to view the property was i stated above i was out of town for business. On XX/XX/XXXX I reached out to ask where the key would be placed on XX/XX/XXXX no response. I proceeded to email multiple times on XX/XX/XXXX no response. I searched online found a contact phone number contacted them several times on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX early morning I was contacted by the actual owner of the property. Apparently, this had happened to her before. Someone ( network of people ) as I am sure you are aware steal the real owners ad post it and rent the property they do not own. I have contacted my bank they are attempting to retrieve my money but they said that is not going to happen. I filed the police report who advised i should contact you.The scam is still going on the property I rented is advertised on XXXX i have notified them and it appears initial ad was shutdown and new ad posted. I also viewed many homes on XXXX that are being advertised on XXXX i posed as a renter and same exact response as with my situation. I have the following information. The " owner '' is XXXX XXXX home address ( which is another rental property ) XXXX XXXX XXXX XXXX XXXX, VA. The Banking Info Wells Fargo Routing # XXXX Account Number XXXX, Bank Address XXXX XXXX XXXX XXXX VA XXXX, The actual owner of the property XXXX XXXX which the address is XXXX XXXX XXXX XXXX XXXX, VA XXXX. I had to quickly find another property to move into which i had to borrow that money from a friend so that i could have a home for my daughter to stay with me. With theh holidays quickly approaching i wanted to get moved in and as comfortable as i could to assist with this HUGE transition. I think that is what makes me more ANGRY then anything. My daughter who is only XXXX again my husand and I were married over 30 yrs and due to continued XXXX XXXX i finally had the nerve to leave and this is what happens when i try! Anything that you could do to assist not only myself but prevent this from happening from someone else i would GREATLY appreciate it. I also contacted my homeowners policy and was advised since I made the transfer they did not fraudently access my account i would not be eligible to be reimbursed the $ XXXX that my policy allows for.
Product: Credit reporting or other personal consumer reports

Well I have tried numerous of times to discuss my situation which I just got released from XXXX  in XXXX of XXXX and have been XXXX  since XXXX of XXXX so it's no way I should have any collections or/ and debits or anything at which if and when an account was created open or whatever it is Fraudulent and I demand it to be removed from my credit report cause I'm not able to get absolutely nothing being free from them XXXX  and XXXX  and XXXX XXXX XXXX only to come trying to be a better citizens and a better person to someone else mess running around here acting like they is XXXX XXXX XXXX when im being told to get thus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my consumer report. to this day over 45 days later I have not received a response as of yet. I feel like my disputes are being ignored and im being taken advantage of. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my consumer report it has been 45 days so they should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Transunion to remove collections on my account that were reported unlawfully use of my SSN. They've failed to remove these inaccuracies multiple times.
Product: Checking or savings account

received a new debit card for Discover bank - had my name and address but I didn't open it, called discover they stated some of my personal information matched but not all of it, 1 that did was my social security number. they said they would close account and report but want to make sure nothing else is out there.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : XXXX XXXX XXXX XXXX XXXX, GA XXXX I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. 

The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX XXXX  states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! 

The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it! 

Below is a summary of the data in which I am challenging : Personal Information for Experian NAME : XXXX XXXX XXXX XXXX Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or Metro 2 standards. Please delete any address in your system that does not match my address of XXXX XXXX XXXX XXXX, CA XXXX Yours Truly, You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, CA XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Product: Checking or savings account

On XXXX XXXX I tried to log in to my banking account, which at the time was already lock and had to call and get it unlock 2 times before and after the 3rd time of my account being lock I called and was told the account was closed.so I called the number that was given to me and spoke with someone and then was told it was the account was closed do to fraudulent activity when the account was just open on XXXX XXXX and can't release my funds do to it being reviewed and I have to come back in two businesses days to check if there has been a note place saying the funds can be release after already being told that there has been a note place saying the funds can be release