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

On Thursday XX/XX/23 I took a personal check made out in my name by my brother in law in the amount of XXXX XXXX to an M & T bank to deposit it in my checking account. This was after an attempt to wire the money from XXXX XXXX to M & T bank failed. I was told that due to the amount of the check, it needed to be verified and my brother in law + XXXX XXXX would be contacted to confirm the checks validity. I found out XX/XX/23 that the check was not processed and was told to reach out to the other bank to inquire. XXXX XXXX told my brother in law the transaction was good on their end and the issue was in the hands of M & T. Later that day I lost access to my online banking app and was told my account was on hold. My account was running low so I took another check made out by XXXX for my recently totaled vehicle to M & T only to find out that the Fraud department had my account locked and no transactions could be made. What made things worse was today on XX/XX/23 my direct deposit from work was sent to M & T and I had no access to that or any of my other balance. The customer service representatives said there was nothing they could do and the fraud department said nothing can happen until the investigation was completed which could take anywhere from XXXX days. I am not fortunate enough to be okay with thousands of my dollars being held from me without good reason. I have bills to pay, living expenses, child care expenses that are not being met and its infuriating and utterly ridiculous that I can not access my own money in the XXXX century. I understand there was an issue with the check between the banks, but the issue should have been solved between them. Not taken out on an unfortunate consumer who relies on his biweekly paychecks to make ends meet.
Product: Debt collection

Account # XXXX Credit Acceptance Corp 1602 A. States I have the right to privacy.

lon 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without n a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any oi on Any other adverse item of information, other than records of convictions of crimes which antedates t 1 years.

1s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting age or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX of XXXX I went to the walk in clinic at XXXX XXXX for a XXXXXXXX XXXX on my XXXX XXXX. Before I went to the facility I called and asked how busy they were and how much they would charge. The representative told me they were not busy and that it was {$150.00} to see a doctor. I went to the facility, filled out the paperwork, and paid the {$150.00} fee before seeing the doctor. I left the facility after seeing the doctor and was not asked to pay any additional fees. 

A few weeks letter I started receiving bills from the facility indicating that I owed an additional {$60.00} for the visit. I attempted to contact the facility by telephone several times but was unable to get through to a billing representative. I left several voice messages requesting a call back to discuss the bill, but was not called back. I sent several letters to the facility along with the billing slip indicating that I was told that the bill was {$150.00}, that I paid {$150.00}, and that them sending me an additional bill for {$60.00} was incorrect. They did not respond to my messages or letters. 

In XXXX of XXXX I was contacted by Professional Account Services , Inc. - a debt collector attempting to collect the {$60.00}. I wrote them a letter disputing the charges, stating that I never signed anything agreeing to pay {$210.00} for a {$150.00} service. I asked them to provide a copy of the documentation where I agreed to pay more than the {$150.00} I was charged. They responded on XX/XX/XXXX with a generic statement indicating that they received my dispute but had " verified with their client that the charges are true and correct ''.
Product: Payday loan

Bank of America made me a loan XXXX 2016 with 0 % interest for 18 months. They explained that I would not be charged interest on my purchases. Each month for 4 months I spoke with agents who assured me I would could pay off my purchases and not be charged interest. On XXXX XXXX I spoke with XXXX in the Arkansas office who informed me that I was misinformed for 4 months and that unless I pay off any credit charge on the SAME DAY of purchase I will accrue interest immediately.
Product: Credit reporting

I requested all XXXX reports. I got through the XXXX process just fine. Got that report okay. 
But the " Get your next report '' button on the annual report webpage does not respond. So there is no way to continue on to the next XXXX reports that I requested. So I went back into the request process, and now Experian says that " Our records indicate that you have already received your free annual credit report from Experian. '' I have not received anything from either Experian nor XXXX yet. 
How can I get them now? The Experian " Contact '' page does not work. It lets you enter comments and then it displays an error message and tell you to re-enter the contact info. So there 's no way to get someone at Experian to even know there 's a problem. This is really frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has an inquiry CAPITAL ONE ( Bank ) XXXX XXXX XXXX XXXX refuses to remove the inquires and the following companies have been notified
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number- XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit card

I have a checking, savings and credit card account with Navy Federal Credit Union. I failed to make a payment on my credit card and the credit union has locked me out of my account. I am not able to access my checking and savings account. From my understanding, Navy Federal is not permitted to participate in these practices.
Product: Credit reporting

I have disputed several items on my credit report that are the result of someone using my information for XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX. I have a phone through XXXX XXXX and have had cable at my address for several years in my wife 's name. I have disputed these items several times and called XXXX XXXX XXXX etc. and they have removed these due to fraud. Yet a collection agency still is trying to collect for all of these. I want them removed ... .or proof of my drivers lisence used with my picture on it. All of the phone companies and cable company do not require photo id ... .and these are not mine. I want proof this is me, or remove them immediately. What ID was used to open these accounts???? Also XXXX XXXX XXXX?? There is not even a XXXX XXXX XXXX in the state of Washington ... .I have never lived anywhere but here and this account is fraud. What information was used to open these accounts?
Product: Checking or savings account

On XX/XX/year>, I placed a check in the XXXX XXXX XXXX through mail boxes in XXXX, Colorado between XXXX and XXXX XXXX. It was made out to XXXX XXXX XXXX, # XXXX in the amount of {$4600.00}. The box was broken into, many checks were stolen, washed and cashed. Mine was among them and made out to someone named, XXXX XXXX and cashed XXXX XXXX XXXX, NY, on XX/XX/year>. I discovered this on XX/XX/XXXX when I received an email from my HOA stating that I was being charged late fees for non payment. I immediately called my bank, BMO and XXXX XXXX XXXX. I went to BMO to file whatever possible for an investigation and have done follow up numerous times without any response at all. I filed a report with XXXX XXXX, report # XXXX, again nothing. I later spoke with XXXX XXXX - investigator, who told me the case had been closed because it was not proven the theft occurred in XXXX XXXX. I called USPS and spoke with XXXX XXXX, giving her all the information. She responded that it was most likely not an internal theft and that it would need to contact XXXX. I was unable to reach anyone via phone so completed the form on the website. That was a few weeks ago, and have not heard anything from anyone. 
Im still out {$4600.00}, which is a problem for me. 
I have followed up with my local BMO branch regularly and am told that they administrative office said the report has errors, that it was submitted to the incorrect department, each time some ridiculous excuse. My local branch has been very supportive but has no authority to help further. I do not know where to go for help that is why I'm contacting you. Please help me .....
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of a XXXX  item ( # XXXX ) on my credit report. This item was disputed and correctly deleted and removed from the systems of the original data furnisher, XXXX on XX/XX/year> as confirmed by correspondence in my possession ( See Attachment ). Despite this, your agency has claimed the item as verified upon re-investigation, thereby validating inaccurate and misleading information. 
In addition to this violation, I have not provided permissible purpose as required under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ) for this item to be reported on my consumer report. This is a clear breach of my consumer rights, and the continued reporting of this item constitutes unauthorized and unlawful activity.

Under the FCRA, you are obligated to : 1. Ensure the maximum possible accuracy of the information you report ( 15 U.S.C. 1681e ( b ) ).

2. Conduct a reasonable investigation into disputes ( 15 U.S.C. 1681i ).

3. Only report information for which a permissible purpose exists ( 15 U.S.C. 1681b ).

Your failure to comply with these legal requirements has caused significant harm to my creditworthiness, impacting me and my family financially. 



I demand the following actions : XXXX. XXXX deletion of the inaccurate XXXX  item ( # XXXX ) from my credit report. 

XXXX. Written confirmation of the deletion within 30 days. 

XXXX. A written explanation of the permissible purpose, if any, under which this item was reported.

Failure to comply with this request may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. Furthermore, I reserve the right to pursue civil remedies for willful non-compliance and violations of the FCRA ( XXXX XXXX. XXXX ). 



To support my dispute, I have enclosed the following documentation : Correspondence from XXXX confirming the removal of the item. 

A copy of my Drivers License including a copy my utility bill. 



I expect this matter to be resolved promptly by this agency and await your confirmation of the deletion as XXXX has since complied. Thank you for your immediate attention to this critical issue.
Product: Debt collection

I settled with portfolio recoveries and they wrote a letter stating balance paid in full but yet still they continue to report wrong amount and input incorrect data
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reported as being late due to an error online with the updating of a new debit card to make the monthly required payment in this credit building program. I would like a reversal of that and it removed from my credit report.
Product: Credit card or prepaid card

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I was sued for a debt owed to Bank of America around XX/XX/XXXX for an amount of {$10000.00}. Through my lawyer, XXXX XXXX XXXX, XXXX, a settlement of {$6000.00} was reached. This amount was paid off on XX/XX/XXXX. On XX/XX/XXXX I was notified by my employer that my check would be garnished to pay off the remaining {$4400.00} to satisfy the {$10000.00}. My lawyer got involved once again as my checks were being garnished to pay off the debt. On XX/XX/XXXX the original settlement was honored, and the funds garnished would be coming back to me along with a note on my credit report of the debt paid off. This was pending I send a signed release form to XXXX XXXX XXXX, XXXX. The form was signed and arrived at their receptionist on XX/XX/XXXX at XXXX. The credit report changes have been honored but my funds being returned have yet to be honored with no further communications returned from XXXX XXXX  XXXX. The funds being returned as the pandemic hit was going to be a stress reliver for my family, but I continue to wait and wait. I am seeking that the {$4400.00} be sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. 

XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation.
Product: Debt collection

Received collections letter regarding alleged debt, no verification / substantion of debt provided despite repeated attempts to verify debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I think you're company have violated the FCRA law for not handling my situations properly, I sent you a dispute letter regarding the inaccuracies and errors on my report but its been over a month, and those accounts are still on my report pulling down my scores. I'm filing a complaint not only on CFPB but only with XXXX XXXX this time
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to resolve an inaccuracy in th way an account is reporting with XXXX, XXXX, and Experien all to no avail. 
The account is for an auto loan which was repossessed in XXXX and sold at auction in XXXX. The original loan amount was approximately {XXXX, and once sold approximately {XXXX} remained. 
At this point it should be reporting as a charged off account in amount of {XXXX} approximately, but instead continued to report as late payments each month with a balance remaining of XXXX. 
I have tried, and tried to resolve both with the bureaus, even sending supporting documents ( attached ) from original finance company, but to date all disputes have been updated as " validated/verified '' and disputed closed. 
I am not disputing the validity of account being mine, but rather an error in how it is reporting. 
I am a XXXX XXXX, doing my best to purchase a home in near future, but this continues to affect my credit negatively month after month. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint once again to follow up my request for these many improper credit inquiries be taken out of my credit record. My name has been used to open a number of accounts. I should submit an FTC, so I did, and I've attached it to this letter, per legal counsel from a friend and your agency. Within four days after receiving this letter, the Experian, XXXX and XXXX credit reporting agencies are required to stop all improper credit inquiries that were conducted for reasons that were not allowed by Fair Credit Reporting Act section 605B. Additionally, I'm getting in touch with each business on the following list to close any opened fake inquiries : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The United States Bankruptcy Court failed to report payments to the three ( 3 ) credit bureaus from the Chapter XXXX  Bankruptcy case in which there were payroll deductions made by XXXX XXXX XXXX as well as payments made prior to and after with a money order in the amount of $ 700.00+ a month.
Product: Student loan

I have been dealing with student loans for over 10 years and it has not been easy. I feel they are extremely hard to deal with and it seems everytime I put myself into a forbearance or a income driven payment plan, it does n't seem to last and when I think that I 'm done with the loans for a minute to get myself situated, then all of a sudden I 'm getting phone calls and emails saying I 'm due a payment or more or phone calls as them saying basically I have n't done anything with the loan. Its very frustrating. I call them, let them know my situation they give me my options, set me up on a plan or whatever I qualify for and I get off the phone thinking I accomplished something and I have n't. I am really wanting all my student loans to be validated basically, because really I honestly feel these loans are outrageous and I just think its a way to get individuals money. I do n't have money to pay off or to pay on student loans when I 'm barely making ends meet within my household. If I ca n't pay rent NO I 'm not making any type of payment to pay down these loans. I do n't understand how difficult this is to comprehend.
Product: Vehicle loan or lease

Subject : Inquiry Regarding Lien Status on Vehicle Dear Sir/Madam, I hope this letter finds you well. I am writing to inquire about the lien status on the vehicle, XXXX XXXXXXXX XXXX XXXX Plus XXXX # XXXX, which was previously financed through SunTrust Bank. I have been informed that SunTrust Bank and BB & T have merged to form Now Truist Bank. 

The purpose of this inquiry is to seek clarification regarding the current status of the lien on my vehicle. It has come to my attention that the debt associated with the vehicle has been written off by SunTrust Bank. A debt write-off is the accounting practice in which a financial institution recognizes a debt as uncollectible and removes it from their books as a loss. 

Given the debt write-off, I am interested in understanding the implications for the lien placed on my vehicle. In general, when a debt is written off, it typically indicates that the creditor no longer expects to recover the outstanding amount. Consequently, it raises the question of whether the lien associated with the debt remains enforceable. 

Therefore, I kindly request that you provide me with information regarding the current status of the lien. Specifically, I would like to know whether the lien is still in effect and, if not, whether it has been officially released or discharged in connection with the debt write-off. Any documentation or confirmation regarding the release or unenforceability of the lien would be greatly appreciated. 

Furthermore, I would appreciate an explanation of how the debt write-off impacts the enforceability of the lien. If the debt has been deemed uncollectible, it raises the question of whether the lien itself may be considered unenforceable or invalidated. 

Please inform me of any outstanding obligations or procedures that need to be completed to facilitate the release of the lien, if applicable. I am committed to fulfilling any necessary requirements to ensure the appropriate resolution of this matter. 

I kindly request your prompt attention to this inquiry, as it is crucial for the completion of the vehicle registration process. Should you require any additional information or documentation, please do not hesitate to contact me at your earliest convenience. 

Thank you for your cooperation and assistance in this matter. I look forward to receiving your response and clarification on the lien status of the vehicle. 

Sincerely, XXXX XXXX