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

In accordance with the Fair Credit Reporting Act ( FCRA ), the list of accounts below/attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602 A States I have the right to privacy. 15 U.S.C. 1681 A. section 604 A States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Deposited a {$1000.00} XXXX issued XXXX XXXX, via the ATM, into my XXXX Checking account on XX/XX/year>. I was alerted of a hold on my deposit, but was given no option to cancel the deposit on the ATM. My online access stated that XXXX was placing a hold on my deposit because the funds needed to be verified by the issuing bank ( XXXX is the issuing bank! ) ... .and my funds would be released on XX/XX/year>, after 2 business days. Keeping in mind, this is a XXXX XXXX XXXX with guaranteed funds, issued from my parents account ( same last name ) and then deposited into my own XXXX account. XXXX deposit policy states that for deposits issued from another XXXX account funds will be available the same day. XXXX policy also states that {$220.00} will be made available the next business day ( following Federal Banking Laws ). The remaining funds will be made available 2 business days after deposit under XXXX policy. It is now XX/XX/year>, and my account shows the deposit in my actual balance, and says it was posted on XX/XX/year>, it also no longer shows any hold in effect on my accounts funds. YET, MY AVAILABLE BALANCE STILL DOES NOT INCLUDE MY DEPOSIT OF {$1000.00} MONEY ORDER ... even though the hold has cleared itself and the deposit has posted to my account, XXXX IS NOT MAKING ANY OF MY FUNDS AVAILABLE, from a deposit of a guaranteed instrument, also issued by Chase Bank!!?? This is unacceptable. It is my money and I need access to it, and XXXX is breaking the law by not making at least {$220.00} available already!
Product: Debt collection

XXXX did not properly record the fact i returned their equipment and is trying to collect a {$100.00} penalty. I 've spoken to customer service reps who have documented numerous attemps by me to request promised shipping documents. When the shipping instructions finally arrived, I properly boxed up the equipment and set back as instucted. Now XXXX is tying to collect a penalty for late return when in fact it was their failure that led to the late return. customer service reps have told me that all charges were reversed due to their error, but yet I am still receiving collection notices from third party agencies and AFNI
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 under 15 USC 1681. 

List of Unauthorized Inquiries : XX/XX/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 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 or other personal consumer reports

I am writing to dispute a late payment that is inaccurately reported on my credit report. 
This incorrect information is negatively impacting my creditworthiness, and I request its immediate removal.
Product: Debt collection

Noticed incorrect collections account on credit report. Filed dispute with XXXX. Contacted collections company CCS collections and XXXX. XXXX XXXX to provide me information regarding the debt. None of the debt described belongs to me and no attempt to reach out prior to filing collections to credit bureaus. I believe they have the wrong person, the information does not match with mine.
Product: Checking or savings account

Opened a Wells Fargo Everyday Checking account on XXXX XXXX, 2017. Account had a {$250.00} bonus as long as one of the two following conditions were fulfilled : Within 60 days of account opening, either make 10 purchases/payments with your Wells Fargo Debit Card or establish a qualifying Direct Deposit of an accumulated {$500.00} or more to the consumer checking account opened for this bonus offer. WF claims " We will deposit the bonus into your new checking account within 45 days after eligibility and qualifications have been met. '' I made a direct deposit on XX/XX/XXXX and completed 10 debit purchases on XX/XX/XXXX, which cleared by XX/XX/XXXX. It is XX/XX/XXXX, 100+ days after first completing the requirements, and I have not received the bonus. I have attached my opening email and a statement from XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any
reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below XXXX XXXX XXXX XXXX XXXX XXXX... 
XXXX XXXX  - XXXX... 
XXXX XXXX XXXX - XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Payday loan, title loan, or personal loan

When I purchased the car part of the agreement was it was under full warranty all I had to do was take it to the place they have a garage I complained about a loud noise in the engine and they would not fix the car try to tell me it was fine then it broke down on me I left and they came and repossessed it.It has been over 7 years ago and when I dispute it they keep updating it under 2 different accounts on my credit report because a collection agency is involved also.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

XXXX XXXX approved and accepted a loan modification of my deceased husbands mortgage 2 years ago. Then they sold the old loan, not my new loan, to another mortgage co, XXXX. XXXX returned it to XXXX a year and a half later as they could not get updated loan documents from XXXX. XXXX is now ClicknClose who sends multiple conflicting emails on my loan, sends letters saying loan is in default, and I get calls from debt collectors. Every payment was made timely to XXXX, XXXX, and ClicknClose except this month as phone payment was refused and the check I mailed wasnt deposited. ClicknClose wants all new application documents : income, tax returns, bank statements, credit report, etc, to apply for an assumption. I provided all this and more when loan was approved in 2021. The VA officer emailed ClicknClose that my loan was a legal, binding contract that they must uphold. ClicknClose continues to request new loan documents and letters still come saying loan is in default, foreclosure imminent. Please help!
Product: Credit reporting or other personal consumer reports

Addresses listed on my XXXX and Transunion Report that are not correct : XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX
Product: Credit card

In the past couple of weeks Synchrony Bank has closed both my XXXX card and my XXXX XXXX card. Both accounts have never had a missed payment and were always paid on time. The XXXX XXXX card has recently been paid off and had {$1000.00} available balance ( the full amount ). My XXXX card had started with a {$1000.00} limit and was then reduced to {$800.00} without notification and then closed even after making all payments on time. I owed just over {$600.00} on that account. I was never given notice and the reasons sited were me being a risk of failure to pay which if you look at my credit report I have a flawless payment history on all of my accounts. I am just baggled as to why they did this and don't think it's right to close accounts without valid reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were found to be fraudulent so they were removed by Equifax. Can XXXX XXXX and XXXX please update there records as well and remove them ... Please remove the inquiries as well associated with it ... 

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

XXXX, 2019 and XX/XX/2019. I sent in a certified letter requesting the hard inquiries be deleted as I didnt authorize them. Transunion refused to delete them.
Product: Credit card or prepaid card

Charges were made on XX/XX/2022, for the amount of {$540.00} XX/XX/2022 MEMBERSHIP FEE JUN 22-MAY 23 {$0.00} FOREIGN TRANSACTION FEE {$270.00} INTEREST CHARGED TO STANDARD XXXX {$59.00} XXXX XXXXXXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$890.00} XXXX XXXXXXXX XXXX XXXX {$990.00} XXXX XXXXXXXX XXXXXXXX XXXX - {$2.00} XXXX XXXXXXXX XXXX XXXX {$890.00} XXXX XXXXXXXX XXXX XXXX {$990.00} XXXX XXXXXXXX XXXX XXXX {$540.00} XXXX XXXXXXXX XXXX XXXX {$830.00} XXXX XXXXXXXX XXXX XXXX {$870.00} XXXX XXXXXXXX XXXX XXXX {$890.00} XXXX XXXXXXXX XXXX XXXX {$830.00} I filed a dispute online and by phone. Have reached out for help through CitiBank XXXX page. Filed a complaint with XXXX, XXXX, and XXXX. Emailed XXXX XXXX XXXX of CitiBank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute was filed with XXXX and XXXX online XX/XX/2020 for accounts that DO NOT BELONG to me on my credit reports. I have also sent information to prove who I am by mail to XXXX, XXXX and XXXX and dispute these accounts. I have contacted the lenders of origin and collection companies in attempt to have erroneous accounts removed from my credit report. XXXX Customer Service Executive from NY has submitted paperwork for two accounts to be removed from credit reports for total of approximately {$1000.00}. Yesterday received letters from EOS CCA stating that these accounts were verified in dispute and belong to me. I called them and my social security number does not match the one on the accounts. I am not even a XXXX consumer. They were unable to resolve. Call to and certified letter sent to XXXX XXXX and they have yet to respond to dispute of approximately {$17000.00} written off and collection of approximately XXXX XXXX.Association of XXXX in collection by XXXX {$100.00} has not responded. XXXX XXXX collections {$1000.00} continues to show on reporting. I am attempting to have a VA Mortgage loan processed and these accounts are causing me financial damage and the VA is unable to complete the loan until the items in dispute are removed. I have all documents to prove who I am, where I have lived for the past 36 years, my social security number, etc. The remainder of my report shows excellent credit with an exceptional payment history on MY accounts. These credit bureaus have about 20 addresses listed- two of which are accurate and 14 phone numbers-two accurate. How quickly these credit bureaus and credit reporters can enter wrongful information and slowly do they work to clean up their mess. It is a vicious undertaking to personally attempt to correct the errors of, collection agencies and credit reporting. There should be a dual entry of information into these systems. One person enter and another have to enter to make sure that all information matches.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration regarding the multiple attempts I have made to correct an issue with the late opening of my account. I believe it is essential to bring this matter to your attention in the hope of resolving it promptly. 

I opened an account with your institution, and unfortunately, I have encountered ongoing difficulties due to a delay in the activation or processing of my account. Despite my repeated attempts to rectify this matter through various channels, the issue persists, and it has caused considerable inconvenience. 
Timeline of Events : 1. Account Opening - I initiated the account opening process at one of your branches.

2. Initial Follow-Up - After not receiving any communication regarding my account status, I contacted the customer service hotline to inquire about the delay.

3. Second Follow-Up - With no resolution, I visited the branch in person to seek assistance and was assured that the matter would be resolved shortly.

4. Subsequent Attempts- Despite multiple follow-ups via phone calls and in-person visits, the issue remains unresolved, causing frustration and inconvenience.

I understand that technical glitches or administrative errors can occur, but the lack of timely and effective resolution is unacceptable. I have attached copies of relevant documents, including account opening forms and any communication received, for your reference.

I request the following actions be taken promptly to address this matter : Immediate activation and proper processing of my account.

A thorough investigation into the root cause of the delay to prevent similar issues in the future.

Compensation for any inconvenience caused, including reimbursement for any fees incurred due to the delay.

I expect this issue to be resolved within specified timeframe from the date of this letter. If the matter is not resolved satisfactorily within this time frame, I may be compelled to escalate the complaint to relevant banking authorities and consumer protection agencies. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXXXXXX XXXX Balance : {$140.00}. 


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

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible :
Product: Debt collection

I received a bill from XXXX XXXX for anestesia that was provided for my daughter at XXXX 's in XXXX. I contacted XXXX XXXX to let them know they filed the insurance claim against me, not the patient, my daughter. My daughter had already met the XXXX deductible, thus, the cost would be borne by my insurance company. XXXX XXXX acknowledged the error and stated they would resubmit the claim properly to XXXX in my daughter 's name. 

I then received a notice from American Accounts & Advisers dated XX/XX/XXXX indicating they were attempting to collect my debt of {$570.00} shortly thereafter. I notified them of the above, they indicated that it was too late to submit to insurance and that I owe them the money now. I disputed the charge at that time. 

I received another notice on XX/XX/XXXX that I owe them the money. 

And have now received a notice on XX/XX/XXXX that I owe them the money and threatening legal action. I called them again today, XX/XX/XXXX, to find out what the dispute process is- they indicated their attorney may contact me but that they had noted this account was in dispute in XX/XX/XXXX as I requested.
Product: Debt collection

On or about XX/XX/XXXX I XXXX XXXX maiden name XXXX XXXX took out a loan with Advance America unfortunately I had an economic hardship and wasnt able to payback said loan but today per an Advance America representative they sold my acct/loan to XXXX XXXX XXXX on or about XX/XX/XXXX XXXX XXXX   XXXX on or about XX/XX/XXXX per a Representative hired XXXX XXXX to collect on said account however for the past 3 years around tax time and again today of XX/XX/XXXX another frivolous company a name you cant find anywhere called from # XXXX called stating they were attempting to collect the debt on behalf of Advance America and had my Social Security number and date of birth and amount owed I today XX/XX/XXXX called Advance America and they stated there is a scam going around so I diligently asked if they had a data breach they said NO and advised me to contact XXXX XXXX XXXX which also advised me they didnt have NO data breach and they advised me to contact XXXX XXXX who also advised me they had NO data breach. Please understand this loan being outside the Missouri Statue of Limitations of 5yrs and the Fair Credit Reporting Act of 7yrs and a clear Violation of the FDCPA otherwise known as the Fair Debt Collection Practices Act there was definitely a breach of data with one of these ( 3 ) collection companies falling back to original creditor Advance America as they admit their are scammers calling and there all aware of this occurring but unsure how or why but obviously one of them have failed to advise the FTC Federal Trade Commission of this to warn consumers! This debt is now ( void ) in that its well outside the Statue of Limitations & Fair Credit Reporting Act & one of these ( 3 ) companies violated the FDCPA and consequences should entail a Class Action Lawsuit! And or an investigation by the Missouri Attorney Generals office and or Federal review/audit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint because XXXX, Equifax and XXXX  refuse to delete unverified bankruptcies from my credit report, after several disputes. As of now there is 1 bankruptcy reporting on my XXXX  report and there are 4 on XXXX  and 4 on Equifax. Under the FCRA, I have the right to : - Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. I sent several letters to all 3 companies asking them to verify the bankruptcies along with requesting the procedure on how it was done, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. This is one of the laws under the FCRA. XXXX, Equifax and XXXX refuse to give me this information along with deleting the bankruptcies. The FCRA requires that XXXX, Equifax and XXXX  verify all information from the original data furisher and they have not done so. In addition I soke to a representative from XXXX named XXXX and she said they would not release what company they use to verify public record information. I have a letter directly from the US District Bankruptcy Court that stats they do ( NOT ) report information to the credit bureaus. This is the original data furnisher stating this. So All bankruptcies need to be deleted immediately per the rules and laws mandated by the FCRA PERIOD.