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

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$740.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$680.00} Open Date XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance {$110.00} Open Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$730.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$710.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$340.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$1700.00} Open Date XX/XX/XXXX XXXX XXXX {$1100.00} Open Date XX/XX/XXXX inquiries XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed an inaccurate account from XXXX XXXX XXXX ( Account # XXXX ) with Equifax XXXX requesting a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681i ( a ) ( 6 ) ( B ) ( iii ).

Equifax initially verified the account without providing details on how the verification was conducted, violating my rights under the FCRA.

I requested a description of the reinvestigation process, which Equifax failed to provide. 
XXXX removed this account from my report after conducting its own review, proving that the information is unreliable. 
Equifax and XXXX report conflicting information about this account, violating 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum accuracy. 
Equifax marked the account as disputed and in reinvestigation, yet no meaningful investigation was conducted. 
Equifax has failed to take corrective action despite clear evidence of inaccuracies in the reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 30 days ago I submitted a dispute to Equifax regarding an account that had been previously DELETED, yet unexpectedly added to my credit file again. I asked the reporting agency how could they add a debt that was one, proven not mine the first time I disputed it, and two, that you did not validate before added an account that had already been removed. Equifax confirmed the debt, without validation as this is NOT my debt, I have never had business with XXXX and XXXX XXXX. The debt that was deleted was XXXX XXXX XXXX. How can the same account be owned by TWO creditors, and also they have attempted to ILLEGALLY re-age the debt to the time is seems like XXXX and XXXX purchased the account, which is a direct violation of the FCRA. More importantly, this was a debt that one company claimed to own ( XXXX XXXX XXXX ) two years ago, Equifax validated it without cause, then deleted it, they were supposed to notify me in WRITING of an attempt to add a debt that had been previously removed as invalid
Product: Checking or savings account

Hello, My name is XXXX XXXX, and I am contacting you because I have been trying for over a month to get my money back that was deposited into an BBVA COMPASS atm, but not was not able to go into my account because the atm retained my money. On XX/XX/2020 I went to an outside BBVA atm in XXXX on XXXX XXXX to deposit money for rent a total of {$780.00}. I placed my card in and put In my pin. I went through the steps to make a cash deposit. Once I inserted the money the atm stated to please take unrecognized bills. I waited and waited for my bills to be returned, but it never did instead the atm prompted and asked if I needed more time so I push yes because I had not received any of my money back. I waited about 2 min again until I was asked the same question, then I pushed no because at this time Im frustrated and was going to deposit it at another atm since that one was not working properly. Once pushing no the screen read Please take your chase it is being returned so I waited for my money to be returned. But it never was about 3 min later the screen read your funds are being retained, please contact customer service for further assistance and had given me the 1800 number. I did not receive a receipt or anything so I'm lost at this point. I called, but being that it was a Sunday the banks were closed so I decided to call that following Monday the XXXX of XXXX. I called and explained my situation to the agent who answered the phone they put in a ticket for me I waited 10 days and called back on the XXXX of XXXX for them to deny my claim and say that I never used my atm card that day nor did I make a deposit that the atm funds were correct. I was upset because I know for a fact, I placed my money there I explained to the agent that I did in fact make the deposit they can check the cameras and see me there see the cash in hand seen all my movement. Another ticket was placed to further investigate ( or so I was told ). On today I called back the XXXX of XXXX to be told that the second claim was denied as well. At this point I am furious. I work hard for my money for it to be given away to a bank. I have placed a 3rd ticket, but I have decided to contact you guys because this is too much and I just want my money back.
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. 
Acct name/ US DEPT ED : # XXXX '' *, Accf name : XXXX XXXX # XXXX Acct name : XXXX XXXX XXXX # XXXX Acct name : XXXX # XXXX Acct name : XXXX # XXXX Acct name : XXXX XXXX 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 In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal & non verbal per 15 USC 6805. I am now rescinding that authorization and that is effective immediately and indefinitely.

the account that will be referenced in this complaint is the following : Navy Federal Credit Union - account number XXXX account balance {$36000.00} opened on XX/XX/XXXX Navy Federal Credit Union - account number XXXX Account balance {$11000.00} opened on XX/XX/XXXX according to 15 U.S. Code 6805 Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows. 16 CFR Part 313 any reporting of transaction history is a direct violation of the privacy act of 1974 and is illegal.
Product: Checking or savings account

XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX Consumer Complaint Division Re : PNC BANK Debit card declined ; account was blocked for {$880.00} ; ENOUGH FUNDS in the account ; bad customer service ***Updated this letter as of XX/XX/XXXX - I initially filed a complaint to FDIC XXXX they said they will forward this to you but I just filed it in your website anyway. 
To Whom it May Concern : On XX/XX/XXXX, I went to the USPS to purchase a money order worth {$880.00} ( for my boyfriends rent ) My debit card was declined even if I was putting the correct PIN and I did not tell them to block or put on hold ANY amount of withdrawal from my account. My account has ENOUGH money to cover the {$880.00} withdrawal and I was able to successfully used my debit card from the previous month - same amount. My account suddenly is blocked. Called PNC customer service number ( waited 45 minutes and wasted my lunch time FOR NOTHING ). After work ( another time wasted here instead of me resting at home ), I went to my bank branch ( XXXX XXXX XXXX ) I ranted to the manager XXXX XXXX ( To be honest, she is the only one that has helped me here ) She gave me a new card ( apparently what I had was old in which they should be tracking ). By the way, I also tried to use their chat to resolve this call back from a manager was 3 days!!! never happened too! 
A certain XXXX XXXX. ( Case Manager, Retail Support ) called me, left a VM and emailed me last XX/XX/XXXX. Called her back twice and emailed her back NO RESPONSE, NOTHING. 
Fast forward to today XX/XX/XXXX, another rent day for the boyfriend. Went to USPS to purchase the same amount of money order, Debit Card declined, called XXXX and she said it is showing blocked and let me fix this for you. Took a good 30 mins. ( another lunch time wasted ) the resolution is TBD because I am writing this formal complaint before I step out - update XX/XX/XXXX : I had to go back to USPS the following day for the money order, my account was unblocked. Again, the time wasted here in order purchase a money order. 

Unfortunately, this is my horrible experience with PNC Bank. They do not have an email for me to send complaints to they have their phone number in which you will be placed on hold for 45 minutes and not resolving anything. Plus the chat that does the same thing, nothing. 
As of the moment, I want to start processing on transferring most of my money to another bank - depending on the outcome of this complaint. My time was wasted here and the payment for my boyfriend 's rent ( anybody 's rent ) is very time sensitive. 
This is definitely NOT the service I expected. I have been with them for a good 6 years and unprecedented lack of service is just too much ( with the exception of XXXX XXXX ) - XXXX XXXX is offering me {$600.00} credit to my account IF I open an account with them with {$15000.00} and keep it there for 90 days. I want {$600.00} from PNC credited to my account if they want me to keep my money with them. 
I look forward to your reply on this complaint. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance {$130.00} XXXX XXXX Balance {$24000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am to believe that certain cc companies like citi and XXXX  XXXX XXXX are forcing consumers to use their online service for payments and when they refuse to do so they will keep adding late fees on your account claiming that your payment was late ... it's a trend I've been noticing with these two banks in question ... currently my credit score has moved from XXXX to XXXX because I refused to pay their late fees and they won't reverse these late fee charges only keep adding it every month... please investigate these unscrupulous bank and fine them for these mal practice.
Product: Credit reporting or other personal consumer reports

Someone unauthorized used my credit information. Without my knowledge I was notified via email that I had an inquiries for credit when I was at work. Please delete these inquiries ASAP please and thanks. My credit report was in breach of contract. Please delete this happened XX/XX/year>. Thanks
Product: Credit reporting or other personal consumer reports

Barclays has been holding my account against me since late XX/XX/XXXX. I have repeatedly sent documents over and over through the mail through fax they got approved one time and then the fraud department actually said they were approved but they needed to be submitted for a second time to be evaluated. I don't understand why and then I spoke with a supervisor and he basically said it doesn't matter that I submitted my documents he said that he just don't believe that I am XXXX XXXX and that he spoke to the real XXXX XXXX and that he stated that he did not apply for this account which that could not be true because I am the real XXXX XXXX and this is two or three months ago when I received that call. The manager also stated that this account will be closed because this is a fraud application so now it is XXXX and this account is still open and I have a past due balance that I can not pay because I am restricted from my online account and it is causing my credit score to drop lower and lower so I am requesting that the recorded phone calls get sent to me or to the financial protection bureau and someone needs to investigate this because this is going on too long my account has been restricted for 5 months it doesn't make any sense at all. This company Barclays is discriminating me due to the sound of my voice and that they don't believe I am who I say I am because of the way that I sound he said I do not sound like a XXXX XXXX XXXX man I said what does a XXXX XXXX XXXX man sound like he said not like you so this is discrimination so I would like for all the phone calls to get pulled please and investigate it
Product: Credit reporting or other personal consumer reports

I am filing to formally present a complaint against XXXX and Equifax Bureaus regarding unresolved issues in my credit reports. Despite previous attempts to address these issues, they remain unaddressed. I kindly request the removal of the following fraudulent inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I had unauthorized funds taken from my account. As soon as I noticed, I tried to file a dispute via there app, but these transactions did not give me that option, so after 2 days of calling I finally was able to file a complaint on the phone with an agent. I disputed the charges which were {$500.00}, {$500.00}, {$200.00}, {$100.00}, and there were 5 charges in the amount of {$20.00} each. These transactions were made on XXXX. XXXX, I reported them on the XXXX  of XXXX. The bank cancelled my card, and marked the charges as disputed. I asked for provisional credit, and the agent laughed and said they don't do provisional credits, if the dispute was in my favor I would get a refund at that time, and then went on to say the bank had 45 days to investigate my claim. I told them that the transactions showed the money was taken by XXXX XXXX, via XXXX XXXX. And considering that I don't even have a XXXX XXXX, or even have that app on my phone, it should be easy to see I did not make those transactions! 
This is a lot of money, and I couldn't afford to be this long without it! Looking at the declined transactions this person tried to get money off my card in several different transactions as well. You can tell it is fraudulent just by that alone! My dispute was denied immediately. I filed a police report on this person and they are still under investigation at this point. I have called and called customer service trying to get this figured out, they wouldn't give me any answers other than " it's being investigated. Then all of a sudden they froze my account which I believe had {$120.00} still in it. I called to ask that it be unfrozen and they wouldn't! And after that they were demanding that I send a pic of my ID and a selfie with me holding my ID for every call. Well my ID was stolen right around the same time these transactions were made for one thing, and for another I had not had to do this for the previous calls to customer service prior to this. Because of this they said they could not talk to me! I sent in a pic of the card the police officer gave me with the case number on it as well, and the bank never even changed it from denied back to disputed! 
Today I went online in hopes that their investigation had been completed and in my favor, just to find that they closed my account, and also kept the funds they had frozen! This is really not ok at all! I did nothing to cause this and I am being punished for some criminal stealing from my account!
Product: Mortgage

I live in XXXX, OH XXXX. I am reporting a home scam committed by Third Federal Savings and Loan along with XXXX XXXX XXXX President XXXX XXXX XXXX. 

Third Federal Savings and Loan along with XXXX XXXX XXXX President XXXX XXXX XXXX committed home fraud on my property at XXXX, OH XXXX. HUD told me that something bad has happened with my home and I need to seek authorities help. I also wanted to know if RESPA was followed. 
I filed this complaint on XX/XX/2019, and the Federal Reserve filed a complaint on XX/XX/2019, with CFPB on Third Federal. Without addressing my complaint, CFPB closed both the case today stating that it is duplicate with a third one, which is a false statement. 

Today, XX/XX/2019 XXXX XXXX, I spoke with a CFPB agent XXXX XXXX. Mr . XXXX  verified my complaint and confirmed that these two complaints are not duplicate to another third one. Mr . XXXX told me Third Federal closed the case using some guest service account. Also, Mr . XXXX told me that If I submit my complaint again, Third Federal will close it again as a duplicate or something because CFPB does not have any control over the complaint process. 
I want my home, and I want a fair investigation and justice. Someone very powerful is covering up Third Federal savings and loan home scam. Moreover, HUD advised me to file this home scam and RESPA inquiry with CFPB. 
I want to know how my home account got transferred. 
I want to inquire if all RESPA procedures were followed on my property. 
I want to file a home scam/fraud against Third Federal Savings & Loan. 
My home is protected by the government. So, I want to know all the property payment details and who is paying what. 
CFPB, please do not close this complaint stating that this is duplicate. This is not a duplicate complaint. This is a home scam / RESPA case. Please investigate justly. 
Finally, if CFPB believes that CFPB can not control Third Federal savings and loan and Third Federal will again lie and close the case, please escalate this to the proper authorities.

Thank you, Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

company illegally obtained my information. account was previously deleted from my report. they can not validate the debt. they don't have the original contract. i never opened an account with lvnv and never had a relationship with them. i dont owe them anything. I've mailed them letters for the last XXXX months and have not heard back. they need to immediately delete this account and leave me the XXXX alone!!!!!!!! I'm tired of stressing!
Product: Credit reporting

Experian credit reporting agency is reporting address that have never belonged to me or I never resided at. The only address I have stayed is is my permanent address of XXXX XXXX XXXX XXXX TX XXXX
Product: Checking or savings account

I was fraudulently charged 4 times on XX/XX/XXXX. The charges were for {$2500.00}, {$500.00}, {$200.00}, and another {$200.00}. I have not lost my debit card or personal belongings, nobody other than me should have access to my account, so this money should never left my account, nor was it me. I made a fraud claim on XX/XX/XXXX because I had noticed the money left my savings account, I didn't receive a single notification of any form notifying me of these withdrawals. After speaking with the most difficult customer service people I could have ever imagined, I was able to make that claim. Over a week later, which I understand due to the holidays, I noticed that my temporary credit for the {$500.00}, {$200.00}, and {$200.00} charges had been reversed. Since Chase had not given me any updates of any sort on my claim, not even an email, I called the impossible customer service department again. In this call I was told that the transaction was made using my card, chip, and pin so they decided this withdrawal must have been me and there is nothing further they can do for me. At this point, I went into my branch the next day and spoke to two staff members, one being the branch manager, and the best they could do was put in a request to reopen the claim for further investigation. Through this whole process the phone customer service has been extremely demeaning and the utmost confusing ( even branch workers agreed with my complaints ), and I have had no avail to this situation other than hoping that the {$2500.00} charge doesn't get reversed as well.
Product: Debt or credit management

I closed this account shortly after opening it because I chose not to use the services. They are now reporting on my credit as if I did use them. 

KIKOFF LENDING , LLC Revolving with account XXXX XXXXXXXX opened on XX/XX/year> and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.

15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13