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

On Saturday, XXXX XXXX, 2015 I deposited a money order in the amount of fifty-eight ( {$58.00} ) dollars at XXXX. As of Tuesday, XXXX XXXX, 2015 my check has not cleared. Even though it was a national holiday, banks do not close and continue to operate. Why are they holding my meager funds? 
My other concern is that the Bank of America automatically transfers XXXX ( {$25.00} ) from my checking account to my savings account on the XXXX of each month. I had to agree to this transaction to benefit from certain services. The truth is Bank of America wants to use depositor 's money to comply with " safe funds '' regulations established by the federal government. 
My last concern is that my deposit slip from Saturday ( XXXX XXXX, 2015 ) has an erroneous date of " XXXX XXXX, 2015. " How is it that the corporate name ( Bank of America ) is guilty of malfeasance and not the names of individuals at the helm of the bank that are responsible for wrong doing and not labeled as felons?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Equifax via United States Postal Services Certified Mail. My letter disputed the following seven ( 7 ) hard inquiries from my credit report.

1. Creditor : XXXX XXXX for XXXX XXXX XXXX Inquired on XX/XX/XXXX. XXXX 2. Creditor : XXXX XXXX for XXXX XXXX XXXX Inquired on XX/XX/XXXX. XXXX 3. Creditor : XXXX XXXX for XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX 4. Creditor : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. 
Inquired on XX/XX/XXXX. XXXX 5. Creditor : XXXX XXXX for XXXX XXXX Inquired on XX/XX/XXXX. XXXX 6. Creditor : XXXX XXXX for XXXX Inquired on XX/XX/XXXX. XXXX 7. Creditor : XXXX XXXX for XXXX XXXX Inquired on XX/XX/XXXX. XXXX Please see attached files titled " Equifax '' and " XXXX XXXX XXXX. I have also attached images of the USPS Certified Mail receipt.

It has been over 60 days since I contacted Equifax. I have not received any response from Equifax by email or mail. 

On XX/XX/XXXX, I received a letter from XXXX denying me a credit limit increase. A reason for the denial is that the credit reporting agency reported too many inquiries. ( Please see attached letter titled " XX/XX/XXXX - XXXX denied my request for credit increase.pdf '' ). 

Please help me. I have an excellent credit history. I have an exceptional payment history with zero delinquencies among the 10 open accounts. The only " poor '' part of my credit report is the amount of hard inquiries. Please investigate the seven ( 7 ) credit inquiries I indicated. Please remove the seven ( 7 ) credit inquiries. 

Another credit reporting agency ( not Equifax ) asked me to contact the vendor, obtain a deletion letter, and send authorization to the credit reporting agency. Please do not ask me to do this. Please forgive me for being utterly exhausted and burnt out. I am so sorry. 

Thank you for your time and attention to this matter. Please investigate and remove the seven ( 7 ) credit inquiries I indicated. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a balance on an account that should not be there. This was paid off when they took from my taxes in order to do so. This should not have a balance and should not be reporting a charge off to my credit report.
Product: Credit card or prepaid card

I setup AutoPay from my XXXX XXXX checking account. I designated Bank of America as my designated payee. Reoccurring charges were set up to pay Bank of America on the XXXX of each month. My Bank of America credit card payment due date is on the XXXX of each month. XXXX XXXX sent my payment electronically on the XXXX. For whatever reason, Bank of America is purporting payment was not received until the XXXX of XXXX. As a result, they charged me a late fee of {$35.00}. I dispute the late fee and I refuse to pay it. My payment was, in fact, sent on-time.
Product: Checking or savings account

First i had a problem tranferring XXXX dollars from my marcus goldmsn sachs savings account. Called them they sent XXXX dugit code verification i did thst they released the transfer XXXX XXXX to my XXXX  thrn i initiated a XXXX transfer and now locked my account a XXXX time and have to mail notorized verification of identity. And i can not access my money anf need it to live on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX and XXXX Are reporting balances and Late payments on closed accounts on my credit report. If the original creditor sold the debt to a collection agency, then according to fair credit reporting practices, it should not continue to report a balance owed. They are not original creditors as follows 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

XXXX XXXX XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened : XXXX XXXX XXXX XXXX These account have resulted in several fraudulent collection appearing on my consumer FICO credit report. I do not recognize the aforementioned account, collection reported. The aforementioned account, collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account collection is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account collection is the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

" I am a victim of a data breach and identity theft. 
Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. I have four negative reports that need to be removed and blocked
Product: Credit reporting or other personal consumer reports

I recently looked at my Credit Report and I noticed some hard inquiries and accounts that did not have permissible purpose. I've also attached Dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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. 
Company 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  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, credit repair services, or other personal consumer reports

Trans Union and XXXX XXXX XXXX failed to validate debt, because Under the laws of the CFPB and KY UCC 9.506 and state RISA and MVISA, I have contacted XXXX XXXX XXXXXXXX myself and have been unable to get them to validate the above referenced debt along with a copy of the required notices by the KY UCC 9.506. 
I have requested information on how the debt was verified by Trans Union along with the supporting documentation that they have I have enclose copies of my requests to Trans Union and XXXX that was sent XXXX XXXX, 2017, asking them to validate my debt, along with proper notices required by KY UCC 9.506. I have also included copy of the original tracking receipt and confirmation of delivery. I was given no response by XXXX to validate the debt or Trans Union
Product: Credit card or prepaid card

I purchased a tv from Best Buy in XX/XX/XXXX. I was pressured to open a credit card to charge the purchase. Offering interest free payments on the card for 24 months and a {$100.00} credit to the store I accepted. In XX/XX/XXXX, two years after the original purchase date, and never using the card the account balance due was {$150.00}. The next statements balance due XX/XX/XXXX skyrocketed to {$810.00}. I was completely unaware the interest charged would be this high suddenly. I have called Citibank to try and resolve this issue with absolutely no solution offered. I have never been able to catch up from this substantial interest charge and still owe a balance on the account. My statement end balance for XX/XX/XXXX is {$810.00}. I have maintained minimum balance due of on average XXXX XXXX/month towards my balance for 19 months roughly equalling {$570.00} paid towards an initial {$150.00} balance due. The spiked interest charge is unreasonable and was never disclosed when opening my account.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear CFPB Representative, I am filing this formal complaint against XXXX for knowingly violating the Fair Credit Reporting Act ( FCRA ) by re-inserting a previously deleted collection account under a different collection agency without proper verification. 
Background of Experians Violations : 1. I previously disputed a fraudulent collection account from XXXX XXXX XXXX, which was removed from my credit report. 

XXXX. XXXX has now reinserted this same debt under IC System Inc. without legally required notification or verification. 

XXXX. XXXX falsely verified the dispute within three days ( XX/XX/year>, to XX/XX/year> ) without providing proof. 

I previously filed a complaint with the CFPB regarding Experians practices, and the CFPB referred my case to the Federal Trade Commission ( FTC ), which resulted in the removal of other inaccurate accounts. However, XXXX continues to engage in deceptive practices, acting as if it is above the law. 

FCRA Violations Committed by XXXX : Illegal Reinsertion of Previously Deleted Accounts : Under FCRA 611 ( a ) ( 5 ) ( B ), XXXX must notify consumers within five business days if a previously deleted account is reinserted. They failed to do so.

Failure to Provide Proper Verification : Under FCRA 609 ( a ) ( 1 ) and 611 ( a ), I have the right to request detailed proof of verification, which they have not provided. 

Pattern of Unlawful Behavior : XXXX is already facing a lawsuit from the CFPB for these exact violationsre-inserting previously deleted accounts under different collection agencies without proper verification. 

Immediate Action Requested : I demand that the CFPB take immediate enforcement action against XXXX and require the following : 1. Complete removal of the IC System Inc. account from my credit report within five ( 5 ) business days.

2. A full investigation into Experians unlawful reinsertion practices and a penalty for their repeated violations. 

XXXX. Written confirmation that XXXX has removed this account from my credit file. 

Legal Consequences if Not Resolved : If XXXX fails to remove this account within five business days, I will : File a follow-up complaint with the FTC for XXXX continued noncompliance. 

Pursue legal action against XXXX for violating my rights under the FCRA. 

XXXX blatant disregard for federal law must be addressed immediately. I have already exhausted the dispute process, and they continue to act unlawfully. Please ensure this account is removed without delay. 

Sincerely, XXXX XXXX
Product: Checking or savings account

All of my retirement money was rolled over to a XXXX XXXX   5 Year Fixed Annuity. A TD Customer Service Representative ( XXXX XXXX XXXX ) at the TD Bank located at XXXX XXXX XXXX, XXXX XXXX, SC XXXX ( Brach # XXXX ) told me that there were no surrender charges for this product, it would gain five percent interest and the money can be taken out at any time. The amount gained from this investment product as well as the surrender charges were not disclosed to me in written form. Further, I was not given copies of these documents. 

After giving my case documents to my son, he had reached out to the Group Head of US Retail ( TD Bank ), Mr. XXXX XXXX. He referred the case to Mr XXXX XXXX who provided a letter and evidence thereof that ( 1 ) an adequate and complete suitability review of this product was not in line with my initial understanding of the product, ( 2 ) TD Bank gained as a result of this product sale and ( 3 ) not only was I to lose in this transaction, but no investigation of the agent was  conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was tried and plead guilty to two XXXX XXXX and XXXX on X/XX/17, i paid the XXXX dollars required and then went on an XXXX XXXX for 3 months and am now continuing on to XXXX for the next year and a half but since employer background checks are coming back with a XXXX XXXX! I am not a XXXX, and this incorrect information has caused me to miss the largest career oppurtunity of my life. Please help!!
Product: Money transfer, virtual currency, or money service

Paypal is act like scam company. 
They close my account with my money inside. 
I try to contact the company many times but they not take my call and they not respond my message. When I try to withdraw my money they blocked me. 
When i try to withdraw money to my bank they reject the transaction for keep stole my I never had any problem before in my account. 
I never had disputed or charged back. 
All the time i respect the polices of the company. 
They close my account without any reason. 
They just want stole my money and this company does not respect the rights of users and is XXXX. 
My email is XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2019, I wrote to XXXX, XXXX, and XXXX in regards to a fraud account which is reported on my credit report in the amount of {$3700.00}. I submitted enough information to show that this account was not valid, however, my status remained as is. On XX/XX/2019 I wrote to GM Financial in regards to the fraud account that was placed on my credit report. On XX/XX/2019, GM Finacial responded to my complaint stating that they would investigate the alleged fraud. I submitted the following documentation, police report, ID Theft Affidavit, and legible signatures. On XX/XX/2019 I received a letter from GM Financial without any regards to investigating the claim. However, as a result, GM Financial claimed that the request was based upon a misrepresentation of facts relevant to the request and that GM Financial will not be able to remove the account from my credit report. I now request that CFPB to investigate this account and I would like for you to to take action to protect my credit rating.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

Bank of America closed this account, and arbitrarily decided to keep {$4500.00} of mine. They claim the money orders deposited were 'not valid for deposit '. Bank of America WAS paid by XXXX for the money orders. The tracers from XXXX providing proof of payment are attached. Due to Bank of America not properly investigating my initial complaint ( XXXX ), I have now incurred an additional {$130.00} expense XXXX {$15.00} per money order x XXXX ) for XXXX to provide tracer data.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX ( Original Creditor : 11 XXXX XXXX XXXX XXXX ) XXXX
Product: Credit card or prepaid card

I have b een complaining to the company and the CFPB for years about the lack of annual fee notice and Capital One 's fees. For some reason, they have listed my previous balances as mainly cash advances. However, I have not made any cash advances in about a decade ( 10 years ). They have been charging for purchases and also labeling them as cash advances. I have not had any cash advances in a very long time ; cash advances fall in the 25 % interest rate. There is no way I have had a balance of cash advances for over  {$2900.00}, I only spent money on purchases, and only a few cash transactions years ago!
Product: Mortgage

We initially had a mortgage with XXXX XXXX, every year in XXXX, they would begin harassing us for a lump sum payment, normally over {$3000.00}, regardless if our payments were up to date, or XXXX behind, then after 7 years of this, they sold our loan to another company, XXXX XXXX, and they did the same thing in the fall of last year. They only owned our loan for a few months. Now ANOTHER company bought our loan, Select Portfolio, they are now harassing us. Calling XXXX times a day, leaving numerous voice mails, coming by my house, etc. I have called back and ca n't ever get the lady that keeps calling me. I try to work full time, my husband does, also, we have XXXX children, and my mother is in and out of the hospital. I have requested numerous times a modification, but noting ever comes of it. They just make more demands. I need someone to help us, and actually listen to us, because I am afraid other have the same issue. The original company, I am sure it is in our original contract, that they could n't sell our loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

In XXXX I started getting letters from lvnv funding saying they're collecting on behalf of XXXX. My credit had a blemish with XXXX XXXX since XXXX. Instead of XXXX XXXX NVLV is now on my credit as collections opened XXXX. I filled out dispute letters to the Credit agencies stating wrongful filing because I've never verbally stated or written or recognized lvnv funding as an entity I owe.
Product: Debt collection

I do not know who Jefferson Company is and have never heard of them. I have never received any mailing or phone numbers from them.