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

I am trying to transfer funds from the savings account to a linked account at XXXX XXXX. When I click transfer funds it tells me they are experiencing difficulties. In addition, it only lets me withdraw {$3000.00} at a time. Ive encountered this problem at least 3 times before. Each time I called the bank and my problem wasnt resolved. Today I threatened to file a complaint and was connected with a manager. He told me that there is a transfer limit on my account. I can only withdraw {$6000.00} in a month. The account was opened inXXXX. Do you think they would have updated the account polices in the past 34 years? They never made me aware of this. I am furious that I cant access my own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certegy Payment Solutions and XXXX XXXX is declining my personal and payroll checks for payment and cashing at XXXX retail stores, various other retail stores, and other check cashing companies. I dont know why Certegy or XXXX XXXX is declining and not approving for my checks to be cashed or presented for payment. I want Certegy and XXXX XXXX to immediately remove all restrictions from my consumer report and start authorizing and approving my payroll and personal checks to be cashed and presented for payment at all retail stores that use Certegy Payment Solutions and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

After pulling all 3 of my credit reports, I noticed a XXXX off account from XXXX XXXX XXXX XXXX. I reached out about no knowledge of the account, NO help. I disputed it several times and they keep " verifying info '' I'm confused as to what info and how if I never had this account.
Product: Debt collection

XX/XX/2015I have found out through numerous calls an research that " ARA '' Asset Recovery Associates is a ripe-off company that usesscare tactics to recovery debt. 
I was contacted XXXX concerning debt that my sonmay or may not have. Was told that he was a party to an action suit because his name was given on paperwork concerning this so called debt by my son. He was told that a sheriff or constable would be coming to our home to serve him papers. 
I was put on the phone an told that there had been several attempts to contact me concerning this matter with her espousing the same type nonsense. We found out that none of this was true. There was no sheriff coming to our home to serve us papers. However, we are XXXX older individuals XXXX. I wish to sue this company with your help for fraudulent misrepresentation of facts. I pray that you will assist me in this matter, so that I do not have to attain an attorney and take them to court. 
However if no resolution takes place " District Court '' and possible " Federal Court '' will be my next step. 

Name was never given to them by my son and furthermore even if it had been no company has the right to harass anyone that is connected with the person they are trying to contact concerning that person 's debt and responsibility. I will not let this matter rest until I receive justice. This company will be stopped from such unwarranted tactics against any person that has nothing to do with another person 's debt. ARA is a scam who purchases information and debt from companies penny on the dollar and than attempts to collect the full amount of the money with high interest. In most cases these debt are already past there statute of limitations.There are too many agencies like these that exist only to destroy and individuals credit, finances, cause them to lose their jobs, and make their lives miserable. 

If Asset Recovery Associates do not want this suit to go forth I am requesting deletion of son 's name from their records, and all records associated with any outstanding debt with their agency or any other agencies connected to them. I am also requesting {$500000.00} in damages due to their actions of fraud, misrepresentation of creditable facts, XXXX against my fiancee and myself. XXXX 

I have all recorded phone messages concerning this matter. I gratefully await your response to this letter. 

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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
BankruptcyChapterXXXX XXXXXXXX BankruptcyChapterXXXX XXXX BankruptcyChapterXXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I found an unauthorized charge in my cash app. I reported it and heard nothing back and they dont really have much of a customer service
Product: Credit reporting or other personal consumer reports

I called about the matter when it appeared again on my credit report. I told them this account was in good standing and was in fact still active. I informed them I had the receipt for this account and how I just had the problem a couple months prior!! It's on one of my reports but not all 3.
Product: Credit card or prepaid card

XXXX XXXX XXXX has n't answered my certified by mail and notarized by my attorney about SECTION 609 and 625 of FRCA? They will not show me what was bought or where cash advances were made because I was in a XXXX XXXX XXXX in Another State that would n't let us of campus for the time they aid I used card. It hs ben charged of and used of there taxes bt wont do this legally by sending me the information I asked for 30 days ago. The FRCA says if I did these steps and ca n't proven writing I signed up for card or where and when and how I mused it into 30 AYS UNDER SECTION 609 AND 625 THEY HV TO REMOVE IT FROM CREDIT REPRORTS. I have AL INFPORMTION O0 REGRATOION OF MILSENT AND NPRTERIZED LETERS BUT THEY STIL WONT Release me from this on credit report. They are breaking the law and it has ben 30 days and starting on 60 days of legal FCRA issues XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX.
Product: Credit reporting or other personal consumer reports

I wanted reported accounts removed from all creditors ( XXXX, TransUnion, XXXX ). These are the accounts that are inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been several months since my initial contact via mail and through CFPB, and regrettably, I have not received the anticipated resolution from your department regarding the misleading and inaccurate entries 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 -Equifax -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

NAVY FEDERAL CREDIT UNION denied me a consumer credit transaction. They are in violation of 16 CFR 433.1. They are not exempt because of 16 CFR 433.3. I am a consumer according to 15 USC 1693 ( E ). They are in violation according to the Truth and Lending Act. Credit is the right that is granted to me. They have denied me this right.
Product: Mortgage

I had fallen behind with Wells Fargo home Mortgage and tried to do a loan modification, I was referred to a broker and basically took so long I lost my home.
Product: Debt collection

I AM BEING HARASSED VIA PHONE BY ALLIANCE COLLECTION AGENCY FOR THE DEBT OF A DEAD MAN I HAVE NEVER MET. I MADE THE MISTAKE OF GETTING A NEW PHONE NUMBER AND HAVE EXPERIENCED THESE CALLS EVER SINCE. I AM ON THE NATIONAL DO NOT CALL REGISTRY. I ANSWERED THE CALLS TO TELL THEM THAT I AM NOT XXXX XXXX XXXX BUT STILL THEY PERSIST. THIS COMPANY SUCKS!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card at XXXX XXXX today XX/XX/2020 and I did not get approved due to my credit score and history. I looked into it more and I discovered five accounts with bad payment history appearing on my credit. None of these accounts are mine ; I have never opened an account with any of those companies and I did not allow any other person to open an account with these companies using my name, social or address. I did not make any payments towards these accounts and I did not get anything as a result of these accounts that were opened on my behalf. I filed a police report with the information that I have so far.
Product: Debt collection

They call at least five times a day and leave a recording stating to leave the last XXXX digits of your account number. Since we have already paid XXXX bills this month and are in transit to XXXX this is ridiculous as we have no records and no idea of what they are calling about. I tried to explain that Florida took away my rights and gave the POA to my daughter and they should call her but this fell on deaf XXXX ears.This seems to be a common practice to have people who speak broken English but it is a very poor practice for an XXXX year old with hearing problems.Perhaps I should turn my phone off. 
XXXX XXXX
Product: Mortgage

I applied to Finance America Reverse to refinance my reverse mortgage. 
I was ask what is the fair market value of my home. I estimated {$290000.00} based on similar homes in my neighborhood. I completed an application based on {$290000.00}. I was told IF the appraisal came in at {$290000.00} It should be approved and I should be able to receive {$28000.00}. ( This would help me pay Taxes, Ins, & HOA fees-and remain in my home for years OR until COVID19 gets me ). The appraisal came in at {$230000.00}. My home value was based on Comparisons to homes in other neighborhoods in XXXX XXXX where homes sell for ~ {$50000.00} less. NOT XXXX XXXX XXXX XXXX. Finance America Reverse ask the appraiser to consider comparisons in XXXX XXXX. The Appraiser said none were appropriate due to old sales dates, Square ft differences, & other differences. This is wrong. Several similar home sales in XXXX were for homes in XXXX XXXX for over {$300000.00}. There are about 100 homes in XXXX XXXX. Two are identical to mine. One ( with a pool ) sold for {$320000.00} in XXXX and the other is estimated at {$280000.00} online. Home values in XXXX XXXX are increasing $ XXXX to $ XXXX per year. My appraisal was {$50000.00} to {$60000.00} LOW. Florida Regulators of appraisers allow complaints for standards or independence violations only NOT for doing a bad job.
Product: Debt collection

I was a victim of identity theft and person used information to open a Raymor Flannigan card and purchased furniture with some of my information. 

I disputed this account and purchase with XXXX card service and was cleared by their fraud division. They sent a letter and had the account removed from my credit and provided a copy I have as well. 


I saw on my credit report a collection agency by the name of XXXX XXXX   XXXX  and have disputed this with them directly. 

I was advised that I should fax in the information from the fraudulent Raymour Flannigan card clearing my name and they would review it. 

I faxed the documents about 4 times and they never received them. I later delt with a representative by the name of XXXX XXXX who had my email them the documents to review. 

I later followed up with XXXX who told me these document are not debt they are collecting even though the amounts are the same. He later told me he was requesting a file from the company directly. 

My complaint is I was cleared of this Debt and the company most likely purchased this debt from Raymour Flannigan or was hired in an attempt to collect on a debt I was cleared from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both of these accounts Capital One Bank Usa acct # XXXX and XXXX XXXX acct # XXXX are both reporting on XXXX and not reporting on the other 2 bureaus ... ..you can see the major disparity between the credit scores of all 3 bureaus ... ..XXXX is notorious for breaking the FCRA and not abiding by any rules or laws set in place to protect the consumer. Capital One should not be reporting ... .it was closed due to fraud and XXXX  just recently reported it 30 day late ... ..XXXX XXXX is also a fraudulent account that XXXX  stated would be deleted per a recent complaint yet they are still reporting in on my credit report, no it is not an active an account but the negative account history on XXXX  is still there. BOTH of these accounts should be deleted immediately. I am in the process of retaining an attorney and pursing legal action. I was also a victim of XXXX 's security breach. Please do the right thing and remove both of these accounts. See previous response to CFPB from XXXX  in regards to the XXXX XXXX account ... ... it was found to be fraud ... and they agreed that it should be removed yet they never removed it!
Product: Credit reporting or other personal consumer reports

To whom it may concern The Fair Credit Reporting Act provides me with the opportunity to contest any information on my credit report that I believe is not accurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations.We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards XXXX XXXX, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report.The listed claims appear to be inaccurate. Please provide accurate and verified information for each. 
I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as 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 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Credit reporting or other personal consumer reports

I have been diligently applying for apartments but have faced repeated denials due to inconsistencies in my credit report as identified by rental screeners.
Product: Checking or savings account

XXXX was place on hold for no reason called 4 straight days finally someone told me to go into a branch which b/c of covid i'm not going to do! they need to unfreeze my account b/c no reason for it to be locked my balance is over XXXX i'm putting money into my XXXX  not taking it out
Product: Debt collection

Dear SpringOaks XXXX XXXX ; XXXX XXXX ; Dear Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in [ State Name ]. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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. also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my cr
edit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Equifax Information Services, LLC. 
XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Credit Bureau Executives, I am letting you know about an issue I have noticed in my credit report. Unfortunately, I have been a victim of identity theft and fraud, and as a result, I have been involved in three data breaches so far. I have been working with your team and other organizations to rectify my credit reports and other information. However, I have recently noticed that the fraudulent account belonging to XXXX XXXX XXXX XXXX has reappeared on my credit report, even though it was previously removed. 

I want to emphasize that this account and balance do not belong to me, and I have already taken the necessary steps to remove them from my credit report. I would appreciate it if you addressed this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/year> XXXX XXXX To : XXXX XXXX XXXX Subject : XXXX Sent from my XXXX