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

I deposited my paycheck into my TD Bank account on XX/XX/year>. After the deposit, TD Bank unexpectedly closed my account and is refusing to release or return the deposited funds. When I contacted my employer to investigate, they confirmed that the paycheck has already been cashed, meaning the funds have been successfully transferred to TD Bank. However, the money is currently being withheld by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 submitted complaint because Lexis Nexis provided the 3 credit bureaus with information regarding a bankruptcy it pulled from XXXX, a system of record used by the federal government. I did not give Lexis Nexis any permission to report the information and the Court of Record did not instruct them to report the information or validated the information. 

As of XXXX XX/XX/2022, the company is using a stall tactic to delay removing the information stating it could not verify my identity. I am not sending the in as a new investigation. I demand immediate action from Lexis Nexis to clear my report.
Product: Checking or savings account

Chase Bank closed my checking account in retaliation for filing complaints with the cfpb.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Information On My Background Report Is Wrong. I Do not want this Sent To The Job Site, XXXX XXXX XXXX XXXX 

The Repost States That I Have A Case Still Pending For Two Misdemeanor Charges Pending A Court Date. That is Incorrect. 

The case referred to on XX/XX/2022, were Citations and the case was settled on XX/XX/2022. 

I do not want this information sent to the employer until it is corrected. 

I have documents proving my complaint!
Product: Credit reporting or other personal consumer reports

I have disputed XXXX since XX/XX/2022 several times and never got a response. This account does not belong to me nor am I legally responsible for this account. The account is really harming my credit score and need to be removed immediately. It's showing up as a delinquent account with multiple late payments. Please remove this account from all of my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681 and FCRA Section 605B. After reviewing my credit report, I have found discrepancies that need to be addressed promptly.

Upon thorough examination, it has come to my attention that certain information on my credit report has been provided or obtained without my explicit written consent. According to the FCRA Section 605B, no consumer reporting agency may furnish a consumer report containing certain personal information unless the consumer has provided written consent.

I wish to emphasize that I have never provided written consent for the furnishing or obtaining of my personal information by your agency. Therefore, any information obtained or reported without my explicit written consent is in direct violation of the FCRA.

I kindly request that you investigate this matter promptly and remove any information on my credit report that has been provided or obtained without my written consent, as required by law. Additionally, I request that you provide me with a written explanation of the actions taken to rectify this issue.

Please be advised that I reserve all rights under the FCRA and any other applicable laws to seek remedies for any violations of my rights as a consumer. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I am writing to request an investigation of the following information that appears on my XXXX XXXX report : Dispute 1 Account # : XXXX XXXX XXXX Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Enclosures : Federal Trade Commissions Identity Theft Affidavit. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Hello. I reported many charges as fraud early XX/XX/XXXX, most of them from XXXX. Discover CHANGED MY ACCOUNT number and removed the charges. I noticed early XX/XX/XXXX that the charges were added back, and advised them of several hundreds of dollars of more of the same type of charges. I called and found out that it was due to the auto updater MasterCard uses. The agent told me he then placed a block on this merchant to stop the charges. Why wasn't this done in the first place? I said they were fraud. They also sent compelling evidence that the charges were from my son in my apartment. I do not have it with me to tell the specifics, or upload the docs they sent, but in the docs, it DID look to be me. However it was not. Please see prior complaint filed with Discover online for the details. All the evidence was correct info, but not current. The email info differed, as did the screen name and billing details. They had old information mixed with the new. The location of the IP address showed me. I am in an apartment complex and can see the wireless around me, so I'm assuming someone hacked into the XXXX. Something. Not sure. Regardless, the first time I reported the charges were not mine, and they changed my account number should have ended the charges either way. No one told me that they would come through on the new card as well. XXXX has been unable to locate any information whatsoever to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries without consumer consent.
Product: Mortgage

The home is on the market and we have a valid and current offer that is acceptable to the investor or so we have been told by the Ocwen. The Seller is a separated woman who in the separation agreement was awarded the home and the Husband Deeded the property the Wife. The Wife has a Protective Order against the Husband for XXXX. He is no longer on title to the property and is not required by NC State law to sign any paperwork pertaining to the sale of the home. Ocwen is holding up the approval of the short sale indicating that the Husband has to sign the Offer to Purchase and they want him on the HUD1 settlement. We are about to lose the one and only buyer on the house.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices.

where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion Bureau 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 account that is reporting on my Credit Reports : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX and I value your efforts by setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. 
Here are the accounts needed verifying : XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$490.00}
Product: Student loan

My former student loan servicer was EdFinancial. In XXXX, XXXX, my loan was transferred to XXXX. During the transition, I had previously scheduled a payment with EdFinancial as I was unaware of the transfer. The payment of {$830.00} was withdrawn from my bank account on XX/XX/XXXX and never applied to my loan. I contacted EdFinancial and was asked to provide them with a copy of my bank statement showing the transaction. I sent the bank statement to them via e-mail on XX/XX/XXXX. I have called on several occasions to find out the status of my refund and am repeatedly told that they can not tell me anything other than it is in process with the finance department. I have asked to speak with supervisors and they never call me back. I have asked to speak with the finance department and they do not have a way to get in contact with them. I just want a refund of my payment of {$830.00}.
Product: Credit reporting or other personal consumer reports

sent a letter to Experian asking them to reinvestigate the completeness and accuracy of my account with XXXX XXXX XXXX XXXX XXXX here is my tracking number XXXX However, I waited the required amount time, They said everything was 100 % correct. I asked them how and send me the description of the investigation based on 15 USC 1681 ( 7 ). They did not provide that which is violation of 15 USC 1681 ( 7 ). They also violated 15 USC 1681 ( 5 ). They also violated 15 USC 1681e ( b ). And I didnt receive and respond or update.
Product: Debt collection

I paid this debt years ago. Velo law has spent the last year trying to collect it again. Ive sent them the debt release as proof multiple times and they refuse it. They have now marked me as no contact and filed a lawsuit.
Product: Credit reporting or other personal consumer reports

I recently review my credit report recently and their are two Lates from two different Banks one from XXXX XXXX XXXX and the other XXXX XXXX consumer reporting agencies need to report with complete accuracy. The accounts have not been late on payments I've have attached a copy of my report to this complaint on the following dates XX/XX/year> on both Banks have reported this in XXXX. XXXX XXXX servicing company for XXXX XXXX has agreed to remove the negative late but has not done so. 
I am now requesting you Investigate and provide verifiable proof with records showing that I had a late payments. If this information can not be verified I demand these payments be updated to paid on time Immediately. 
Thank You for your understanding and Prompt action
Product: Credit reporting or other personal consumer reports

I am trying to buy a house and these things are delaying my home buying process. I have been a victim of aggravated identity theft. I need these items removed asap. Each creditor should have form SSA-89 signed by the consumer whenever credit is requested that way they have proof it was mailed and received by the said consumer and that way each person knows if/ and when fraud has or hasn't been committed. That form was requested by me to the creditor and they have yet to send that. It's been over 30 days since requested and over the timeframe. If they can't provide it they need to respectfully remove these items. Study what this form entails. I understand my consumer rights and how to proceed. I will contact the XXXX, and state attorney general to let them know such things are happening and not being honored if this isn't handled asap. Do not send a bill as a bill doesn't provide sufficient proof the said has applied for anything. Thank you for your prompt assistance. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I disputed a number of items on my Experian credit report ( attached ) on XXXX/XXXX/15 and to this point, they have not reponded to my inquiry,
Product: Credit reporting or other personal consumer reports

I have noticed several inquiries on my credit report that I do not recognize nor did I apply for credit in my name. These unauthorized inquiries should be removed according to FCRA guidelines. Here are the details of the inquiries listed below. Ive already followed protocol and reached out to creditors to no avail. Please remove. 

XX/XX/XXXX XXXXCapital One XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company continues to furnish fraudulent credit inquiries onto my consumer report. After being informed that a data breach may have exposed my personal information, this company still continues to furnish fraudulent credit inquiries. This is a direct violation of USC 1681. An ftc was filed and attached listing these credit inquiries as fraudulent accounts.
Product: Checking or savings account

On XX/XX/2022 I tried to transfer {$1700.00} from my personal checking account at Citibank using XXXX to my business account at XXXX. I used a wrong email address associated with my business account for using XXXX. The transfer failed and they are holding my money since XX/XX/2022. I have called Citibank many times. They sent me a letter that they have accepted my complaint on XX/XX/2022 but they are not releasing my money. I called them many times but they do not make my money available in my account.
Product: Mortgage

I have made my mortgage payments on time. However I keep getting statements that my account is past due and this company is not applying my payments against my mortgage balance but instead they put them in a suspense account and add additional fees. I paid all amounts that were past due according to SLS website : I paid {$89.00} on XX/XX/XXXX, {$130.00} on XX/XX/XXXX, & XXXX on XX/XX/XXXX and all these were additional payments to my regular mortgage payments. 
But as of today my account still showing a past due amount of {$89.00} and i called multiple times for an explanation but they cant seem to explain this. I need to bring my account current. I need a full disclosure of what the added fees are and are they legal and why since my payments are always on time.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within XXXX  days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within XXXX  days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX XXXX  XXXX XXXX XXXX YOU ARE NOT reporting XXXX  % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from 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
Product: Credit reporting, credit repair services, or other personal consumer reports

No knowledge of this account.
Product: Student loan

I called to get questions about my loan, instead of giving me the information I requested they put me in a deferment period and kept collecting interest.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found several inaccuracies that require immediate attention. Under the Fair Credit Reporting Act ( FCRA ), Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), credit bureaus must validate the information they report, ensuring its accuracy. Reporting any unverified information without proof within the mandated timeframe is prohibited. 
XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$32000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX and list of Inquiries 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 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

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 ACCOUNT NUMBER : XXXX, Account name : XXXXXXXX XXXX  ACCOUNT NUMBER : 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. 

I NEED THIS DELETED FROM MY CREDIT REPORT AS WELL AS THE HARD INQUIRIES BELOW XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX