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

On Wednesday XX/XX/XXXX I was sent a text message and email while at work to basically contact the bank asap to avoid closure from fraud activity. I did travel that past week but already contacted the bank to let them know, its not like I traveled out the country just to another state. So i called right away to avoid the issue. When I called and entered in my information, they said my card was closed so Im like what the heck okay. Talk to another person, she says chase had closed my account indefinitely. How can all that happen within 1-2 hours without reason for me to explain myself? I ask why and she just says she cant disclose that information. Like I said I just traveled so I dont have much money in my account, so Im eagerly waiting my paycheck on Friday the 2nd Hoping I can transfer the money out to a friend to give me. Today is Friday and Im not mad that my account closed Im more mad I dont have access to my money and it seems like its being held XXXX when I can still log into my account and look at it, its teasing. This is ridiculous Im sure their are people with much more suspicious activity than mine. I work everyday, some weeks I work over time - Im just a girl in her late XXXX just scraping by. Next week is a holiday so I need to buy a gift, and I have to get my license sticker and I need gas in my car etc. there is no suspicious activity. I would like to be able to transfer my money.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Late Payments for XXXX  Account Dear CFPB, I am filing this complaint regarding inaccurate information reported on my credit file for the XXXX account. Despite previous requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), the inaccurate late payment reporting has not been resolved. This ongoing issue constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

FCRA Violations Failure to Ensure Accuracy : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The late payments reported for this account are inconsistent with my payment history and are inaccurate.

Notification Requirements : Creditors are required to send periodic statements at least 21 days before the payment due date, as stipulated in 15 U.S. Code 1666b. The inaccurate reporting suggests a failure to comply with this requirement. 
TILA Violations The Truth in Lending Act requires creditors to provide accurate and timely disclosures to consumers. The inaccurate reporting of late payments on this account has harmed my creditworthiness and caused unnecessary stress. 

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction to reflect accurate payment history.

A detailed description of the investigation process used to verify the reported late payments, as mandated by the FCRA and TILA.

Attachments : Copy of my government-issued ID. 
Copy of my Social Security card. 
A copy of my credit report highlighting the disputed entries. 
Copies of my original dispute letters dated XX/XX/year> and XX/XX/year>. 
If this matter is not resolved within the timeframe stipulated by the FCRA, I will escalate my complaint to the appropriate regulatory agencies, including potential legal action. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried accessing my credit report and there is a credit freeze on my credit report that i cant seem to access or gain control over. i cant log on to my XXXX  account any more my email, phone and phone numbers has all been compromise and i have sent a copy of my i.d social and and requested from transunion and and the other company to update and release my my information. i got denied. my XXXX XXXX, XXXX, XXXX, XXXX  and XXXX XXXX all are compromise XXXX XXXX and XXXX  cancelled my real account and the fake one is still up and running.
Product: Debt collection

Midland XXXX I thank you for your prompt responses and deleting this debt due to fraud. I just need help resolving one more issue. The creditor XXXX XXXX XXXX that bought this debt from you in XXXX. I also reached out to them to delete this debt from the credit beauru. They advised me they won't until your agency reaches out authorizing them to do so even though I let the know of the correspondence your agency sent me. Can you please advise them to please delete the accounts from the credit beaurus?
Product: Checking or savings account

My wife and I opened a new checking bank account with Charles Schwab. T o do this we provided our  XXXX  expecting that this would be used for a identity verification and result in a soft credit file hit.  Ch   arles Schwab has done a hard credit file hit. We did not apply for any credit and we do not want any credit with Charles Schwab.
We have requested Charles Schwab to remove it and they refuse. We have disputed it with  XXXX . The hard credit hit is only with Equifax. Charles Schwab has done soft credit hits with  XXXX  and  XXXX . Soft credit hits for identity verification are fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Synchrony/Belk account from XX/XX/XXXX that went into charge off. I called and was told to pay a collection agency. I did that, and the account was updated to paid on my reports. 4 months ago, the status was changed to bad debt/placed for collections and now looks open and unresolved as of 4 months ago instead of XX/XX/XXXX. I have contacted XXXX and Synchrony/Belk for resolution and was told i could only file a dispute and wait 30 days for something that was changed incorrectly and is now hurting my reports when it was resolved and done years ago.
Product: Money transfer, virtual currency, or money service

I am currently a day trader and have every legal right to access my funds. I have XXXX locked in Venmo for reasons they have not explained. I have verified my identity with the company and yet they have not granted access to my remaining balance. I have contacted the company numerous times starting on XX/XX/2022. They say they can not give any further information out because that is not in their department. Please help me resolve this matter as fast as possible. I need my funds to continue to provide for my family. Thank you
Product: Credit reporting or other personal consumer reports

Subject : Incorrect Denial of Credit Line Increase Based on Inaccurate Credit Report Information Dear XXXX Customer Service, I am writing to formally lodge a complaint regarding the denial of my recent requests for a credit line increase on both of my XXXX XXXX XXXX. The denial letters I received stated that the reason for the denial was due to a late payment reported on my Equifax credit report. 

However, I have reviewed my Equifax credit report in detail, and I can confirm that there are no late payments reported. I have attached a copy of my Equifax credit report for your reference, which clearly shows that my payment history is accurate and there are no late payments recorded. 

This error has caused me considerable inconvenience and I am concerned about the impact it may have on my credit standing and financial planning. I request that XXXX promptly reassesses my credit line increase requests in light of the accurate information provided. Additionally, I urge you to review your internal processes to ensure that such errors do not occur in the future. 

I trust that you will address this matter with the urgency it deserves. Please confirm receipt of this complaint and provide me with an update on the actions being taken to resolve this issue. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was sent XXXXEuros to my Paypal account. I logged into Paypal to receive it. Once I clicked " accept '', the webpage showed me three options, one of which was to convert the money to {$33.00} and some cents. I Googled " XXXX Euros '' and it reported that amount to be worth about {$34.00}. I thought the cost ( $ XXXX {$33.00}?? ) to be reasonable and so I selected this option ( the date was XX/XX/18 ). I then saw a webpage that said the transaction was complete and it provided a link to " transaction details. '' It was only then, that I saw some details that indicated that I was only receiving less than the {$33.00} that I had been promised.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDITOR HAS ADMITTINGLY POSTED A LATE PAYMENT TO MY CREDIT REPORT AND HAS YET TO FIX THE ERROR.
Product: Debt collection

I moved out of an apartment XX/XX/XXXX. I have documented proof of this. I have the move out notice, intent to vacate singed by the apartment manager, and a report of all the payments I ever paid while living there. The Genesis Credit Management debt collection company has been holding me to a outstanding balance of which happened in XXXX. This is a wrongful place of debt as I had been out of the apartment for a whole XXXX years. This is affecting my credit score and I am called all day and night for the last two years.
Product: Money transfer, virtual currency, or money service

This is in response to chase banks choice to close my case with out compensation. 

I will first reiterate that a local branch notice and showed me that the second money order was fake and voided it out so no one could cash it.So how can chase executives lie and say they cant tell if a money order is fake. Also your atms these days are select on what it accepts and can register if bills are fake or not, so how is it that a trusted serves of money order can not be detected. I am no lawyer cant afford one and I now feel pushed aside and lied to for a second time because they know so by going over my account information and then deciding to treat me like trash and sweeping me under the rug. I dont know your articles of law. All I know is i was shown by one of Chase branch workers that the money order was fake ( wich executives say they cant do ) and was shown how to tell when a money order fake ( wich executives say they cant do ). 
So What the point of stating legal chapters if they just lied to me and dont follow there own stipulations? I have kept names to myself. In hopes they treated me like they customer I thought I was at the branch. But soon as I get handed over to executives Im treated as if Im a bum holding a card board sign. 

P.s. again why lie about the help I already recieved in destiguising how to tell if a money order is fake? And why does a local branch offer more help than the executives?
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XX/XX/XXXX, I submitted an electronic dispute to XXXX XXXX via their dispute link on their website for this problem. It was submitted and I knew it would be resolved since this is such an old account from over 10 years ago. 
I additionally submitted a hand written letter on XX/XX/XXXX via certified mail with a tracking number and it shows that XXXX XXXX received my letter and it's contents on XX/XX/XXXX. 
It is now XX/XX/XXXX and the discrepancy has not been updated or removed as originally submitted last year. It has been well over 30 days as stated in the Fair Credit Reporting Act and I am submitting a complaint into this with the Consumer Financial Protection Bureau for their assistance in resolving this matter as soon as possible since it is still hindering my credit from progressing.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following entries on my credit report, which I believe to be inaccurate : XXXXXXXX XXXX XXXX XXXXXXXX - {$4300.00} I have made numerous attempts to correct these discrepancies, submitting the required documents and following up multiple times, but no action has been taken. These errors have caused unnecessary financial hardship and have put an immense strain on my personal well-being. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report free from inaccurate or unverifiable information. I expect a thorough investigation and a resolution in a timely manner. Please ensure that these concerns are properly addressed as soon as possible.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified adj svc XXXX XXXX XXXX XXXX XXXX, MN XXXX FCRA section 623 ( a ) ( 1 ) ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX opened XX/XX/XXXX Contains incorrect Information address and is not my account XXXX XXXX XXXX also being reported on all 3 bureaus conflicting account opened dates this account was also opened in XXXX but conflicting on all reports XXXX XXXX also not my account conflicting information on all 3 bureaus address I did not live at I have reported my identity being stolen or used I have been successful with some and not all they won't delete I have disputed items I also have been compromised on the dark web in 3major data breaches in the bureaus XXXX also not my account also being reported to all bureaus in question this account was opened in XX/XX/XXXX also conflicting dates opened in reports wrong address used too open account XXXX XXXX XXXX opened XX/XX/XXXX Also not my account wrong address conflicting information XXXX account paid by a payday loan direct deposited into this account before closed and still they report this as unpaid derogatory XXXX also XXXX being reported numerous times under different names being reported as secured and it is not secured with anything at all also conflicting information addresses amounts and information Under FCRA it is my right as a citizen too have these accounts removed from my reports that are being reported as derogatory closed collections wrong addresses conflicting names addresses my address amounts personal information I have disputed these with the CRA and got nowhere my life is in shambles these accounts are hurting me from building a proper credit profile that I need too move forward in life for my family I do not know what else too do I need help getting these items removed from my reports im hoping this is the right way or my right option because nothing else has worked thank you for you time
Product: Money transfer, virtual currency, or money service

The company coinbase charged my {$16.00} to send {$2.00} to my friend. There was no transparency on the fee being {$14.00} prior to the transaction. That 's unreasonably excessive. I ca n't cancel the transaction either! It 's not fair to charge me way more than what I sent and charging me without my authorization.
Product: Debt collection

I 've disputed this debt with Americolle ct Inc., They 1. Have ne ver " Responded '' to my dispute as per the FCRA AND FDCPA guideline s. 2. I 've i nformed them the debt is NOT MINE, I would like them to send me a copy of all medical bills WITH MY SIGNATURE, and if they are able to obtain these, I would like the following along with it : The person they ( Americollect ) spoke with at the original creditor, I need their name, address, phone number and extension to pursue further action. I 've tried contacting this agency to no avail. I would like the account removed from my credit report and they can find out who it belongs too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been 30 days since I have sent in my 30 days to comply for invalid information on my credit report. I sent a letter on the XXXX, and XXXX  I haven't heard anything back after the 30 day time period, and I still haven't heard anything back. By law I understand you guys have to comply with my request of deletion of the negative items I have listed.
Product: Credit reporting or other personal consumer reports

Someone from a XXXX area using the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX, has tried multiple times to open several credit cards in my name. I do not know this person and i did not authorize these inquires. This is all the info i could get on the inquires. 

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, il XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX, XXXXXXXX XXXX- XX/XX/2023 XXXX XX/XX/2023 @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXXXXXX XXXX XXXXXX/XX/2023 - XXXX XXXX XXXX XXXX OH, XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX UT XXXX XX/XX/2023 XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ky XXXX XXXX XXXX ( finance ) - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, il XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report a hard inquiry despite having investigated and concluded the inquiry was fraudulent. I have written and called them and they will not remove the inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX  XXXX has not reported one of my CC ( XXXX  ) correctly since XXXX. 
I made contact with them and was given NO reason why it wasn't being reported correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report inaccurate information through XXXX and XXXX, had information removed from trans union. Account reporting past due after being closed for over a XXXX Never heard back from credit report agency in XXXX  days.
Product: Debt collection

XX/XX/XXXX we purchased ( from XXXX- we still have the receipt ) a XXXX XXXX XXXX satellite dish and receiver for our RV. This was set up as a pay as you go account - meaning we would call when we wanted service, it would be activated for a month and then service would expire. We used the service off and on for several years. The last time that we activated service was XXXX of XXXX. In approximately XXXX of XXXX I received a request to return our equipment. I contacted XXXX XXXX and explained that we purchased the equipment. At this time they also turned me over to a debt collector for the {$16.00} fee. After several phone calls I was informed in XXXX of XXXX that the issue was resolved. Then in XXXX of XXXX I received a letter from a different debt collector for the same {$16.00} and now additional fees. I once again contacted XXXX XXXX. My last conversation with Dish was with XXXX XXXX XXXX XXXX who stated that she has reversed the charges. I requested a letter or email confirming this. She asked for my email, which I provided, and stayed on the phone with me. No email ever arrived. At this point XXXX was frustrated with my requests to have something in writing and told me something to along the lines of i cant get you anything for XXXX hours and until the account is updated and shows a {$0.00} balance. As you can imagine, I simply do not trust that this issue has been resolved and I am requesting something in writing to support their claims and prevent further erroneous attempts to collect a debt that I simply do not owe. Your assistance would be greatly appreciated. 

Thank you!
Product: Credit reporting or other personal consumer reports

I have submitted that this account was paid in full and title was sent to me XXXXXXXX XXXX Ally is reporting inaccurately to the credit bureaus and I have brought it to the bureaus attention on numerous occasions and the only XXXX is XXXX that removed the account, if you notice the reporting doesn't even make sense.