23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I looked at my XXXX credit report on XXXX XX/XX/2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act, 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 accordingly according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In General, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, or modify that item of information, an item of the information is found to be inaccurate, incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681 s-2, they are supposed to not furnace 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 not accurate.
Product: Payday loan, title loan, or personal loan

We applied for and we approved for a personal loan on XX/XX/XXXX online. We were told a check would be mailed to us and would arrive between XXXX. By XX/XX/XXXX it still had not arrived, so we called to check on it. We were informed that there was a problem on there end and we would receive the funds via electronic transfer in 3-5 days. Today is XX/XX/XXXX and we still have not received any funds. We have made multiple phone calls, have been promised call backs, emails and resolution with nothing happening. This morning we have been " disconnected '' numerous times. 

Additionally, the payments are due to begin being made on XX/XX/XXXX - but we have not even received the money!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried on several attempts to dispute these issues with Experian. XXXX XXXX account has been closed since at least 2012. Its been paid off and Ive disputed with the original creditor and they have stated they are not reporting to the credit bureaus as it shows. Ive tried on several occasions to dispute it with Experian but its never been resolved and claimed its been disputed. There are also two derogatory accounts from XXXX that are still reflecting my credit report. Ive disputed on several occasions and these accounts are still reflecting my credit report. They claim to have dispute but the outcome still shows the same results. I would like proper validation as to what the XXXX has sent them. Ive sent letters but still have not got a response back.
Product: Checking or savings account

I deposited a check of XXXX from my attorney who is XXXX XXXX  XXXX. I was told that XXXX will be available next day and the remaining will be available the following day, which is Friday XX/XX/2023. Now when calling theyre saying that I have to wait 5 business days because the Federal Reserve is requesting more time to verify the check. After contacting the Federal Reserve I was told this is incorrect info that I was given from Navy Federal Credit Union.
Product: Credit card

In XX/XX/XXXX, I applied for a Citi XXXX credit card which offered an initial 21 months balance transfer program. On XX/XX/XXXX, I received a letter from Citi saying that my application had been denied for various reason, i.e., proportion of loan balances to loan amounts is too high ; credit report shows too many recently opened accounts ; balances on 1 or more accounts are too high in relation to credit limits. They further note the information was obtained from XXXX. 

As noted in the screen shots shown in the attached PDF, starting in XX/XX/XXXX, my FICO score has consistently remained above XXXX and in fact, it has risen to XXXX, effective XX/XX/XXXX. 

Based on my FICO score, I dont understand why this application was denied. It almost seems as if Citi is claiming that my credit is so good that I dont need any more credit. 

Please note, I currently have another Citi card called the Citi Double Cash Card, and have always made my payments in full and on time since the account was opened in XXXX. If they would approve the Citi Simplicity application, I would be willing to allocate one-half of my current credit limit of {$11000.00} to the Citi Simplicity card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

This item Account paid in Full ; was a Charge-off reported by XXXX XXXX XXXX # XXXX is inaccurate and incorrect as you can see on the attached letter dated X/XX/2016 which states : XXXX XXXX XXXX XXXX. recognizes the above referenced account as paid in full on X/XX/2016 The information on my credit report is inaccurately stated and reported by XXXX XXXX XXXX, proof of which is the attached letter sent by said bank regarding my account. 

The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the account be removed. 

Enclosed are copies of the later dated X/XX/2016 by XXXX XXXX XXXX details supporting my position. Please investigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX Attachments : - Item Being disputed ( XXXX ) - Item Being disputed ( Equifax ) - Letter by XXXX XXXX XXXX dated X/XX/2016
Product: Credit card or prepaid card

BANK OF AMERICA CREDIT CARD SERVICES HAS NO PHONE NUMBER THAT ANSWERS IN A TIMELY MANNER TO ALLOW A CARD TO BE STOPPED OF ANY FURTHER CHARGES DUE TO DISPUTED CHARGES SHOWING UP ON MY LAST BILLING STATEMENT, I HAD NO NOTICE OF POSSIBLE FRAUD ACTIVITY FROM THE CARD COMPANY EVEN THOUGH THERE IS 3 CHARGES TOTALING XXXX, TWO SEPARATE CHARGES FOR XXXX EACH ON XX/XX/XXXX, AND ONE CHARGE OF XXXX ON XX/XX/XXXX, I HAVE CONTACTED THE TWO MERCHANTS WHERE THE CARD WAS FRAUDUENTLY USED AND THEY BOTH SAID THAT BANK OF AMERICA CARD SERVICES HAD BEEN HACKED, AND THAT THE FTC IS ALREADY INVOLVED. MY COMPLAINT IS WHY HAVE I NOT CONTACTED TO DISCONTINUE THE USE OF MY CARD, AND TO RE-ISSUE ME ANOTHER CARD. ALSO WITH THESE BAD CHARGES I AM OVER MY CARD LIMIT AND HAVE NO NEW CARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : 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

I had a loan I paid years ago I requested them to validate this debt but they not respond and they put it as a charge off paid full then come back and now they have reported this account multiple time on my credit as if I havent paid or they didnt charge this account off
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX
Product: Checking or savings account

I applied for Citizen checking account on XX/XX/2021 and got approved on XX/XX/2021. I used the link in the approval email to open an online banking account, but no information match in their database, and I called customer service on XX/XX/2021 for help to open an online banking account, I was told my application is under review. I received my physical debit card on XX/XX/2021 and I tried to open an online banking account again, still, no match and I can not open the account. I received another letter that was sent out on XXXX ( the day I called customer service for the first time ) from Citizens Financial Group IncXXXX on XX/XX/2021, and I was told my account was closed. I called customer service on XX/XX/2021 and asked why my account was closed. The agent can not explain it to me just told me it was due to a security reason, and that was the company 's decision. On the same day, I received my PIN from Citizens. 

With only a debit card, no other account information, then my account was closed. Citizens Finanical Group Inc. did not provide any solid justifications on why they are closing my account. The so-called " security reason '' is a vague term and really sounds ridiculous when there were no transactions being made via the debit card. 

It is understandable that sometimes a bank would like to verify information with the customer. However, Citizens Financial Group Inc. made no attempts to contact me for any information but simply decided to close my account instead. This practice is unusual and does not conform with industry standards and procedures carried out by other financial institutions when they think there is a potential security reason. 
On Citizens Financial Group Incs website, it promotes that the Citizens bank as Hel customers. This is certainly misleading given the fact that a consumers card is unreasonably closed BEFORE the card arrives via mail. 

I hereby share my experience here to alert any other consumers like me that might be fooled by Citizens Financial Group Inc. and I would like to raise public awareness of the shady practice of Citizens Financial Group Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022, the account has been disputed with XXXX XXXX  multiple times. XXXX refuses to delete the inaccurate trade-line from all three credit bureaus. The vehicle was sold at an auction for less than what it was worth. The company is trying to collect on a balance that was already paid when the car was sold at the auction.
Product: Checking or savings account

I have been charged ( monthly ) by a " vehicle warranty '' company for the past year and a half that I didn't notice. I disputed with Bank of America but they claim they can't help me and said they would put a stop to all future charges. 
Today, I was charged again. Bank of America is disputing again, and gave me the contact information of the company who has been charging me. I reached out but the phone line would beep three times then disconnect.
Product: Checking or savings account

All accounts with XXXX XXXX on which I am listed as an owner or an authorized signer will be closed effective Monday, XX/XX/2019. I have been at the bank and spoke with the manager at the branch and she could not give any information. She tried to call to the head quarter, but did not get information. I have called to the phone number which was provided in the letter but was told that account is going to be closed. The reason - it is internal decision and no more explanation. I do not fill any wrong doing to cause any risk to Bank. 
I would like to know what is the problem. I feel myself as a criminal.
Product: Credit reporting or other personal consumer reports

The issue is that I have contacted every credit bureau and Informed them that several fraudulent accounts were opened under my personal information. I informed them that I'd been an identity theft victim. I have contacted all the creditors and told them that I'm an identity theft victim, and they must remove the fraudulent account from my credit report. They must remove the fraudulent account and any information about me from their database because I never conducted business with them. However, they have not done anything. I have sent them all the necessary documents, such as the FTC documents they requested for a fraudulent account, XXXX XXXX, and countless other fraudulent charges from my credit report. However, they have left the fraudulent XXXX XXXX and XXXX XXXX XXXX accounts still reporting on my credit report. I have a police report that I went there and spoke with the detective. She's currently handling my case because identity thieves used my personal information, and these fraudulent accounts must be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with all 3 credit bureaus on XX/XX/XXXX ( XXXX ) regarding an incorrect missed payment to XXXX XXXX XXXX ( XXXX ). XXXX admitted to being at fault for this missed payment and later paid the charge and remidied the account on their end. XXXX  and XXXX   removed the incorrect reporting, but TransUnion is the only one that is still reporting 2 missed payments on my Credit Report, instead of just one for a late payment in XX/XX/XXXX on my XXXX credit card ( which is reflected across all 3 credit bureaus as it should be ). See attachment - Highlighted text shows the incorrect reporting by TranUnion only.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Mortgage

On XXXX XXXX, I attempted to take advantage of Cross Country Mortgages split payment process by paying half of my mortgage payment two weeks early. My payment was misapplied, and on XXXX, I called in order to resolve the issue and pay the remainder, in order to also stay current. The customer service agent miskeyed my account number, so three weeks later, I was informed that the payment failed to go through, so I called again to try to rectify the situation. I was given the appropriate information for the split payment program and another attempt was made to bring the account current. I was assured that the miskey issue was identified and resolved, but three weeks later I received another notice of a failed payment. On XXXX, the Cross Country Mortgage site allowed me to make one payment, but the rest of the payments were still not resolved, and 1-2 late payments have been assessed. On my fourth attempt to resolve the issue, I was transferred three times, disconnected twice and finally ( after a 20 minute hold ) I was connected to a supervisors voicemail, which was full, so effectively I was disconnected yet again.
Product: Money transfer, virtual currency, or money service

PayPal held my funds for 180 days, concluding on XX/XX/year>. Following the expiration of this hold period, I attempted to withdraw my funds in accordance with PayPal 's instructions, transferring them in sequence to my linked card and apart from withdrawing my funds as instructed by paypal, no other transaction occur on the account. To my surprise, on XX/XX/year> my account was once again restricted, with PayPal citing a purportedly high level of risk associated with my account. This action contradicts PayPal 's previous assurance that my funds would be released after the 180-day hold period. 
After filing a complaint with CFPB. On XX/XX/year>, I received a check from PayPal in the amount of {$14000.00} which is the remaining balance in my account with PayPal. I immediately went to deposit the check into my bank account on the same day, as any responsible recipient would. 
However, to my disbelief, on XX/XX/XXXX, just two days later, my bank informed me that the check had been returned due to a stop payment request initiated by PayPal. I do not understand why PayPal would issue a check only to request a stop payment on it shortly thereafter. I will attach a screenshot from my bank confirming the return of the check for your reference. I urge PayPal to rectify this situation immediately by reissuing the payment without any further delays or disruptions.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXXXXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Requested removal off all account open and closed on credit repor due to the fact they assumed a role that I never gave permission, not only didnt they have my permission they didnt have my consent either. And didnt exceride thisr responsibility and was unfair, partial and dont respect my right to privacy.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX 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

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected.XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$270.00} XXXX XX/XX/2023
Product: Debt collection

Experian has not disputed the claim that I reported to them. There was a breach and my information was leaked and used
Product: Credit reporting, credit repair services, or other personal consumer reports

Self Lender is reporting a closed account that is paid off, which the balance reported is {$390.00} an the loan {$0.00}. I have not received my initial loan amount back but this loan has been paid in full. the date paid off was XXXX XXXX. I then called an expressed that this account is reporting negative information that is keeping me from obtaining many things.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled { Consumer disputes this account information Medical Subject has not satisfied debt XXXX, XXXX, XXXX } XXXX - - - - - - 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
"