23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/2020, Sentry Recovery and Collection reported a collection account for XXXX XXXX XXXX in the amount of {$140.00} on my credit bureau file. On XX/XX/2020, I sent a letter to Sentry Recovery and Collection disputing the debt and requesting validation ( see attached ). They did not respond. Pursuant to the FDCPA, they were required to respond to my request within 30 days. To date, Sentry Recovery and Collection has never contacted me or sent any information regarding the validation of this debt. Sentry Recovery and Collection has violated multiple FDCPA laws. Sentry Recovery and Collection has a history of complaints at the CFPB of violating consumers ' rights by not conducting business practices in compliance with federal and state laws regulating consumer collection agencies. I have filed a complaint with Florida Attorney Generals Office and included copies of all correspondence. I am requesting that this company be investigated and that the account be deleted from my credit bureau file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the fair credit reporting act of 1861a in the exclusion sectionB. It specifically states anything extended or authorized from a credit card shall be excluded from my consumers report.
Product: Checking or savings account

I submitted a fraud complaint because someone charged me over {$250.00} to my account. Called the bank spent countless hours on the phone USAA closed the ticket saying they got info from the merchant saying it wasnt fraud. Ive never done business with the merchant have no clue who they are. Its a charge from someone in the XXXX. Bank said they were advised it came from my Email. Which is impossible I didnt authorize that charge
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I withdrew XXXX Ether from my Binance.us wallet to my XXXX XXXXXXXX. On XX/XX/XXXX. I withdrew XXXX Ether from my Binance.us wallet to my XXXX XXXX. This is important to note because with in the hyperlinks below you can see the transaction occur from wallet id : XXXX ( which is a Binance.US wallet ) and not my actual Binance.US wallet which is XXXX. My XXXX XXXX is XXXX. 
Stated Transaction XXXX XXXX XXXX XXXX Stated Transaction XXXX XXXX : XXXX I've stated the above for two reasons, the first of which is that Binance.US is staking my ETH without my consent and earning yield on my assets. The second is, when I tried to transfer my ETH back into my Binance.US account it went to the wrong address which is a Binance.US custodian account and not my personal Binance.US account. This address is the one provided to me when I scanned the QR code in my account. Binance.US has confirmed that this report is accurate, but they are now dragging their feet on crediting my account with XXXX Ether. This transaction 'error ' is noted in the etherscan web page below XXXX XXXX XXXX XXXX Can you please help me?
Product: Credit card or prepaid card

I called First XXXX XXXX on XX/XX/XXXX to close my credit card account after paying my balance off. I was told it would be completed within 3-5 days. I called back on XX/XX/XXXX to check the status as the account was still open. I was once again told it would be completed in 3-5 days again. I have since called a few more times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX and the issue still hasn't been resolved and charges and fees have continued to be added. Nothing is being done and no one seems to know why.
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.

XXXX  account # XXXX I looked at my Equifax credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And 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 who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are suppose to do this ( 5 ) Treatment of inaccurate of 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 the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are suppose to 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

This is in response to complaint XXXX regarding Transunion. They mailed me correspondence basically implying that they did not believe that I submitted the complaint, and they were not removing the account even though it is identity theft. I have already submitted a FTC complaint and the account has already been removed from my XXXX report, so I am having a hard time believing that Transunion did anything to complete the investigation. I do believe that this is a stall tactic in order to keep the inaccurate account on my credit report. Once again, the account in question- XXXX XXXX XXXX is not MY account so I am demanding that this account be removed from my credit report immediately before I am forced to seek legal action. Transunion has violated so many FCRA regulations and I will be seeking {$1000.00} per violation. I also reached out to XXXX, and they have not been able to provide any information linking me to opening this account. How are you continuing to report an account that is unverifiable? Remove this account within 15 days from receipt of this complaint. I will attach the FTC report and the stall tactic correspondence I received from Transunion.
Product: Credit reporting or other personal consumer reports

I looked at my credit report and there are some inaccuracies in the following accounts.
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I, XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by SYNCHRONY BANK XXXX I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by SYNCHRONY BANK on XX/XX/2021 via mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by SYNCHRONY BANK adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( li ) are up to { {$5000.00} }. SYNCHRONY BANK is now civilly liable to pay me for the damages.

REMEDY Grant me an open-end credit plan with your company or pay me {$5000.00} for damages.
Product: Credit card or prepaid card

Surprisingly, Bank of America did not care much about this edd card fraud that is going around lately. 
I found out that this scammer is taking my money from edd card starting from XX/XX/20 to XX/XX/20. 
They took out {$1000.00} per day total of 5 times at multiple atms. I can send photos of my bank transaction page as well. 
I'm % 100 sure that I've never used this card anywhere else other than atm to take out cash to deposit to other bank to pay my bill. No internet transaction, no store transaction at all. So I am highly suspecting that the atm I always went was the place where my card got hacked. Also, the card was with me when this scammer is using my card. 

Here is the address of that boa branch that I always went to use atm. 
Location : XXXX XXXX XXXX, XXXX, CA XXXX ( inside of XXXX XXXX  ) I called Bank of America edd department right after i found out that my card was duplicated and had been used somewhere else, and talked to claims department on the next day in the morning since they were closed. They told me to wait about 10 days to get the additional info about my claim and i was told that it might take up to 90 days to investigate. Today, I just got letters that says they are going to close my claim due to suspicious activity on my account and the letter was generated on XX/XX/20. Just a day after i called them. They did not ask a thing about what happened. All they took from me was dates and amount. I dont get how they came with this decision when they have no information. I later even found out that the card was used just 4 min later in different city on the same day i actually used my card and found out irregular balance on my account. I called boa a few days ago before i got the denying letter and i told them i want to send some proof to them as well but they denied it by telling me there isnt any direct fax number or email address to claims department and told me to just wait. And now, all i got is a letter that states i am the one who used the card. I was shocked how ignorant they are. I know XXXX dollars can be a small amount for some rich people but im not one of them. If i was the one who is filing a false claim, i wouldnt have made police report. XXXX police is currently investing on my case as well. Please help me. 
I can provide any info if you guys need. 

My email XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX. These accounts are Paid. The account status and payment status are incorrect. 

XXXX Account Number : XXXX XXXX/XXXX/ Equifax XXXX Account Number : XXXX XXXX/XXXX/Equifax XXXX. This account is purchased by another lender. It can not be twice in credit report. 

XXXX Account Number : XXXX XXXX. This account has wrong information. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX/XXXX/Equifax
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX : # XXXX, Bankruptcy XXXX XXXXXXXX : # Reference XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Student loan

The amount of the loan quite large and the interests alone is too large for us to even make a dent on the actual lone itself. I dont know if the actual amount of the loan is even true to what i should be paying. I think that the school is charging more than i was told when signed up with the school.
Product: Debt collection

This credit card account is just now coming to my attention. I did not open a credit card through XXXX bank based out of Nevada at any point.
Product: Checking or savings account

On XX/XX/2020 I attempted to open a checking account with Citibank, i was told i would hear something in a few days, as it was an online account opening. I never heard anything. Several days later, checks for a checking account arrived at my home, followed by a Debit card and PIN number. I activated the card and deposited money, by transferring money from my savings account at Citibank. I then began using the card and the account for ACH bill pay services. on or about XXXX toth i went to login to online banking, and was unable to do so. thinking it was just a temporary glitch i tried later in the day, it still didnt work, and was advised to register my card and my PIN again, i tried unsuccessfully. I tried calling the bank. they procedded to tell my i did not have a card linked to my checking account, however they wwere able to see transactions i had made that day on my debit card. they issued a new debit card. the previous evening I had written check XXXX and XXXX, both in the amount of {$370.00} when my balance was, and continues to be {$1300.00}, at the time of this complaint. 
on XX/XX/XXXX, i received an email saying that there were returned checks on my account, i accessed online banking, and saw that my account balance had not changed, and there was no notice or record of either check being presented or returned. I initiated an online chat session, while simultaneously trying to call the bank. I spoke to a representative named XXXX, who assured me nothing had been returned, and all the checks would post to my account on XXXX stated nothing to worry about. i was on hold for over an hour, and nobody picked up the phone Later in the day i received notice from one of the parties I wrote a check to, that the check was not honored. 
I called back to Citibank, again was on hold for 48 minutes, and finally ended the call. 
Every time i call the bank or chat with a representative, i get a different story, and am forced to jump through hoops, all the while they have my funds, are not honoring checks, costing me returned check fees, embarrassment, and frustration not to mention hours trying to access my funds, or get answers. 
i have spoke to numerous people, all give different answers and explanations, yet i am stuck with fees, lost opportunity, lost time and aggravation. this is the worst experience i have ever had with a financial institution..
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Deletion of Inaccurate Accounts and Resolution of Disputes I am filing this complaint due to inaccurate and unverifiable information that has been reported on my credit reports with XXXX, XXXX, and Equifax, which has caused significant harm to my credit score and financial well-being. Below are the details of the accounts in question : XXXX : XXXX XXXX XXXX Account # XXXX - {$37000.00} XXXX XXXX XXXX ( XXXX  ) Account # XXXX - {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX - {$6800.00} XXXX : XXXX XXXX XXXX Account # XXXX - {$37000.00} XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX - {$6800.00} XXXX XXXX XXXX ( XXXX  ) Account # XXXX - {$510.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX ) Account # XXXX - {$33000.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX ) Account - {$29000.00} XXXX XXXX Account ( XX/XX/year> ) Equifax : XXXX XXXX XXXX ( XXXX  ) Account # XXXX - {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX - {$6800.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX ) Account # XXXX - {$33000.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX ) Account - {$29000.00} Despite my attempts to dispute these accounts directly with the credit bureaus, they remain on my credit reports, and their presence continues to negatively impact my credit. These accounts have not been properly verified, and the reporting agencies have failed to follow the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ). As a result, they are violating my legal rights under the FCRA. 

In addition, under 15 U.S.C. 6802, 1681b, 1681i ( a ) ( 6 ) ( B ) ( iii ), 1601, and 18 U.S.C. 1028A, the credit bureaus have mishandled my personal data and failed to conduct thorough investigations into these accounts, thereby violating my rights. I request that these accounts be deleted immediately, as they can not be verified. 

The resolution I am seeking is the immediate removal of all inaccurate accounts from my credit reports and the issuance of corrected credit reports across all three bureaus. If this issue is not resolved in a timely manner, I will pursue further action, including filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and other relevant authorities, as well as pursuing arbitration to seek remedy for damages caused by these violations. 

I trust that the CFPB will assist in ensuring that these issues are properly addressed and corrected in accordance with the law. 

Thank you for your attention to this matter.
Product: Checking or savings account

My car was broken into. My phone and wallet were stolen. Transactions were being made with my phone and card for over 2 weeks before I noticed. I filed a police report and alerted the bank I have yet to hear back from them other than theyre closing my account. This still doesnt resolve the problem of over XXXX dollars being stolen from my account.
Product: Debt collection

In Accordance with the fair credit reporting act XXXX  XXXX XXXX  has violated my rights. I simply went in to apply for an apartment now months later I have a inquiry on my credit saying I owe {$1500.00} dollars!! THIS IS COMPLETE FRAUD I NEVER SIGNED A LEASE AND I HAVE DOCUMENTATION OF THE COMMUNION BETWEEN XXXX AND XXXX XXXX XXXX XXXX STATING THAT I DID NOT WISH TO GO THROUGH WITH THE PROCESS BECAUSE I CHOSE ANOTHER APARTMENT WHICH I RESIDE NOW I AM TRYING TO GET A HOME LOAN AND THIS POPS UP I WILL BE FILING A LAWSUIT THIS IS COMPLETE FRAUD AND THE FACE TGAT MY INFORMATION IS THIS ACCESSIBLE BY YOUR EMPLOYEES IS UNACCEPTABLE 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the accounts that is still reporting on my Credit Reports and needs to UPDATE completely from my Credit Report : MEDICAL XXXX Date Opened : XX/XX/2020 Balance : {$250.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I an account that are not correctly reported- XXXX XXXX account number XXXX you have it as recent balance XXXX as of XX/XX/2024 and status of account charged-off XXXX written-off XXXX past due as of XX/XX/2024 but this account has been paid-off. so do your investigation and do the necessary update to this
Product: Credit card or prepaid card

I did a balance transfer on 2 of my credit cards via Chase Bank which would allow 0 % interest for 1 year. Turns out they have been charging me interest every month on my balance transfer and any new purchases. Interest should have been charged on new purchases only.
Product: Debt collection

The collection agency has repeatedly called daily for the past year. Many of those calls are outside of approved times before XXXX am and after XXXX pm. Calls during the day are persistent and disruptive to my work schedule. They have also called from numbers indicating they were from businesses I have relationships with, individuals I know, or even numbers associated with legitimate US government agencies like the Postal Service or Customs and Border Protection. They have also called coworkers indicating they were from Customs and Border Protection, and I was in trouble and needed to be contacted. They have also told coworkers erroneous information about my financial situation.
Product: Debt collection

XXXX XXXX XXXX : 15 U.S.Code 1692a ( 4 ). 

XXXX XXXX : 15 U.S.Code 1692a ( 4 ). 

XXXX XXXX XXXX ( XXXX XXXX ) : 15 U.S.Code 1692a ( 4 ). 

XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX : 15 U.S.Code 1692a ( 4 ). 

XXXX XXXX : 15 U.S.Code 1692a ( 4 ). 

XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX : 15 USC 1692a ( 4 ). 

XXXX OF XXXX : 15 US Code 1681 a ( e ). 

XXXX XXXX XXXXXXXX : 15 U.S.Code 1692a ( 4 ) I reached out to these companies and Equifax also. Some items were previously removed but some remain. Some of these items were removed from other credit bureaus but Equifax did not remove them.
Product: Money transfer, virtual currency, or money service

XXXX reversed XXXX XXXX separate payments on XX/XX/2023 in the total amount of {$1200.00} as of today these funds have NOT been returned to my utility spending account. 
I have just learned that XXXX XXXX uses a thirty party payment vendor called XXXX owned by XXXX XXXX.
Product: Debt collection

My credit report indicates I owe XXXX XXXX  a {$350.00} payment for past due charges. I have not had an account with any rv provider in over 4 years. This is not me.
Product: Checking or savings account

On XX/XX/2020, I tried to open an online checking account with Iberiabank, in XXXX XXXX,XX/XX/XXXX. 

I went through the whole process ; answered the security questions ; and was advised the account was opened. 

I was then asked for an initial deposit. I paid the {$50.00} opening deposit via my XXXX card. See below. 

XX/XX/2020 Store Purchase IBERIA BANK, XXXX XXXX,XX/XX/XXXXON HOLD - {$50.00} The next day I get an email from Iberiabank advising me that now that can't open an account for me based on what was inXX/XX/XXXX and XXXX XXXX which they had access to when I was opening the account ). 

Although I have no negative activity with XX/XX/XXXX I sent back a reply asking about my deposit and even offered to provide them an account they could direct pay the account to. 

I am very familiar with how card holds work. There is nothing stopping Iberiabank from simply releasing the hold on my funds. Instead they told me I was approved for an account, had me pay the deposit and then changed their mind ( their right I suppose and not what this complaint is about, even though I would suggest you look into that deceptive practice ). 

Now they are hold my funds " hostage '' for an account they admitted in writing to me that they were not going to open. I have the means that this hold will not cause financial hardship, but Iberbank should have to answer as to what possible reason there is not not release the hold on my funds. And " it will drop off '' which is true, should not be accepted by your Agency. 

This is a text book case of violating promissory estoppel. All elements are met and the damage element is the fact I don't have access to my funds that I would have had access if Iberbank would have opened the account as promised or promptly lifted the hold on my initial deposit.