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

Under 15 USC 6802, a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the following conditions are met : The institution provides a clear and conspicuous disclosure to the consumer, in writing, electronically, or through another permitted form, stating that such information may be shared with third parties.

The consumer is given the opportunity, prior to the initial disclosure, to opt-out of having their information shared.

The institution provides an explanation of how the consumer can exercise this opt-out right.

In this case, the financial institution failed to inform me of my rights or provide the required disclosures to protect my privacy. Furthermore, I have become aware that my personal information was compromised in a data breach, representing another significant violation of my privacy rights. 

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

Dispute of Civil Liability for Negligence ( Case Number : XXXX I am writing to formally dispute the claim of civil liability for negligence associated with case number XXXX. It is my position that I am not liable for the allegations presented, and I wish to outline my reasons for this dispute. 

Firstly, it is essential to clarify the details surrounding the incident in question. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I filed claims/disputes with Experian and XXXX regarding unauthorized credit inquiries on my credit file, and they failed to resolve the issue with negligence. My credit score has been affected by these unauthorized inquiries and as of today the problem has not been fixed. The actions taken on my part were reasonable and within the expected standard of care under the circumstances. 

I respectfully request that you review this information and reconsider the claim of negligence. I am open to discussing this matter further and hope to resolve this issue amicably. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account name XXXX Account number XXXX
Product: Student loan

I have a loan with DEPTEDXXXX with account number XXXX. I have always made my payments on time. For some reason, I realized that the records reflect a 120 without preceding 30, 60 or 90 days. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Checking or savings account

I have two WF bank accounts. A checking account and a savings account. I reduced both accounts to XXXX  due to the monthly fees. WFC decided to charge my accounts again so that my balances are now negative and will not let me close the accounts until I clear the negative balances. I believe this is unfair as the accounts are dormant.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to dispute a charge-off listed on my credit report, which I believe has been reported inaccurately and should be removed in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under XXXX U.S.C. XXXX ( b ). This statute requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
The item in question is as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reported Charge-Off Date : XX/XX/year> According to the Internal Revenue Service XXXX IRS ) XXXX a canceled debt reported as a charge-off may be considered gross or ordinary income. I received a Form XXXX indicating this debt was canceled on [ Date of Cancellation ], which, according to IRS guidelines XXXX legally releases me from the obligation to repay this debt. 
In accordance with the FCRAs stipulation for accuracy, and based on the legal cancellation of this debt as evidenced by the IRS documentation, I am requesting the removal of this chargeoff from my credit profile. The continued reporting of this charge-off is not only inaccurate but also misleading, given that the debt has been legally satisfied and should no longer negatively impact my credit history. 
Attached are copies of the following documents supporting my claim : Form XXXX indicating the cancellation of debt. 
Correspondence with the creditor confirming the status of the debt as canceled. 
I request that you conduct a thorough investigation into this matter and remove the inaccurate charge-off entry from my credit report promptly. Please provide me with written confirmation of the removal of this item, along with an updated copy of my credit report. 
I expect a response within the statutory timeframe of 30 days as mandated by the FCRAFailure to correct this error could result in further action, including potential legal proceedings to ensure compliance with the FCRA. 
Thank you for your immediate attention to this issue. I look forward to your prompt and positive resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have several accounts that was taken out in my name that doesn't belong to me. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, qual ast rec XXXX, XXXX XXXX XXXX, my car was never late. I was incasarated when these accounts was opened. I left my car with my daughter and she paid every month. Please help me with these companies. I contacted them but they never believed me they said that's my problem basically and to contact the credit bureau. I contacted my attorney and he showed me this site. Please help me im looking for a fresh start.
Product: Credit reporting or other personal consumer reports

This is another attempt to have you immediately removed this inaccurate item off my report. I've been struggling on getting new loands because of my record, and this account is not in any way helping me further.
Product: Mortgage

MY MORTGAGE HAS BEEN SOLD 5 TIMES, THIS TIME IT WAS SOLD TO GREGORY FUNDING LLC WHIC IS BASED OUT OF XXXX, OR .MY PAYMENTS HISTORY HAS CONSTANTLY HAVE ERRORS EACH AND EVERY MONTH FOR THE PAST YEAR. WHEN YOU CALL YOU STAY ON THE PHONE FOR HOURS AND STILL NO RESOLUTION. WELP, MY MORTGAGE WAS TRANSFER OUT TO A COMPANY NAME " XXXX '' IN XX/XX/year> AND I WAS TOLD BY SEVERAL EMPLOYEES THAT IT WILL TAKE 60 DAYS FOR ALL MY INFORMATION TO BE TRANSFERRED .NEEDLESS TO SAY ITS NOW XX/XX/year> AND NO MONEY HAS BEEN ALLOCATED TO THE CORRECT YEAR OF XXXX .I WAS TOLD BY A REP/SUPERVISOR NAME XXXX THAT NOTHING WAS TRANSFERRED TO THE YEAR XXXX ONLY FOR THE YEAR XXXX WITCH IS FALSE REPORTING. AT THIS POINT EACH TELEPHONE NUMBER YOU CALL SUCH AS XXXX OR XXXX IS DISCONNECTED AND I CAN NOT RESOLVE THIS ISSUES TO CORRECT THE PROBLEM OF MISSING PAYMENTS OR GETTING MY MONEY BACK FROM XXXX XXXX WHILE GREGORY FUNDING MISHANDLE MY { MONEY } MORTGAGE PAYMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Midland credit Management MCM call me offering to pay a deb collection from a credit card, that amount original was XXXX. They said that I just have to pay XXXX and the balance will be removed from my credit report in full. I have more than 45 days I did the payment and the balance is still in my credits reports. They say that they already did his part and I dont thing it is true. I need to do an operation and my credit report is not helping me because of this incorrect information. My name is XXXX XXXX last 4 o my social XXXX. I need your help and protect my consumer rights please
Product: Credit reporting or other personal consumer reports

Currently o my consumer report there is an item being reported that should not be due to the fact that the account has been charged off. According to the IRS a " charge off '' should not be reported because it's considered ordinary income and income shall not be reported on any consumer report. The last update date was XX/XX/year> and the last payment date is reporting as XXXX XXXX. Attached you will find copy B of the 1099c.
Product: Credit reporting, credit repair services, or other personal consumer reports

After applying for a credit card and being denied I decided to review my credit and was devastated to learn that my identity has been compromised and used for things that I have no knowledge of. I am angry to have learned this and would like this resolved as soon as possible.
Product: Money transfer, virtual currency, or money service

Venmo has frozen my account and I have a balance in the account. Ive sent all of the documents there were needed as they asked. Its been frozen for XXXX weeks. The holidays are here and they are holding my money. I just want them to please look into my account and please release my funds.
Product: Credit reporting or other personal consumer reports

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Product: Credit reporting or other personal consumer reports

Omni reported and closed complaint XXXX citing as a duplicate. 

It was not and is not a duplicate. I look forward to litigating
Product: Debt collection

I attempted to contact XXXX to obtain information and dispute a collection account that just showed up on my husbands credit report. This is the only collection item between the 2 of us, and we have excellent credit. XXXX referred us to a company called Mountain Run ( XXXX XXXX XXXX ). After confirming that Mountain Run purchased this account, I agreed to contact Mountain Run. 

I explained to the collections agent at Mountain Run why we wouldnt be paying this account, and I wanted to know what date this was purchased. The representative transferred me to a supervisor. She ( XXXX XXXX. ) sounded bored and disinterested and parroted back a few less relevant statements that I gave to the previous representative. Eventually we came to a point where she was condescending and said you dont have a single piece of documentation that you dont owe this debt ( after I explained that we made numerous attempts to contact XXXX to cancel our contract ). She also said If you dont want this on your credit then learn to pay your bills. We pay all of our bills that are legitimately owed and do not deserve to be treated this way when calling to obtain information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was mentioned in my previous COMPLAINT #, and I include it again. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX 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: Mortgage

I have done all of my Banking at Mutual of Omaha ( formally XXXX XXXX XXXX  ) Now, since CIT Bank bought out Mutual of Omaha the personal touch was gone. The bank is only open XXXX to XXXX Monday through Friday, No Saturday 's by appointment only! Then they shut down the bank that had a drive through which too became a major inconvenience, since I work Monday through Friday XXXX until XXXX. On XX/XX/XXXX, I contacted another bank to refinance my home because of a better mortgage rate. However, since I have always done the majority of my banking at Mutual I also had a HELOC along with many other accounts. 

With that being said I was planning on keeping my HELOC with CIT at the time. Unfortunately, CIT never would contact my credit union to get a subordinate letter or form signed, which went on back and forth for several months. The contact person at CIT location at XXXX XXXX XXXX were XXXX XXXX & XXXX XXXX. They were great to work with but still nothing was getting accomplished. 

This resulted in me taking out a loan at my credit union and completely closing my HELOC at CIT in the middle of XX/XX/XXXX. Meanwhile, this has costed me extra fees and interest to both banks to get this accomplished and now I am waiting for a release letter reference my HELOC being paid off and I was told that takes a minimum of three weeks!!

This is outrageous since they have the payoff amount and still not sending the release. I would think a bank would be more customer friendly especially due to the COVID so I could save me from all of the interest & extra fees being generated!! 

This CIT bank is a nightmare and I will not or do not recommend anyone to use them for anything! 

I do have emails and Mr XXXX & Ms XXXX have documentation as well to all of my visits in the bank along with the phone calls trying to get this resolved.
Product: Money transfer, virtual currency, or money service

On XX/XX/25 I purchased a XXXX  XXXX radio from XXXX XXXX and paid via Venmo to his account using Venmos Purchase Protection. The radio was eventually delivered and upon opening it I discovered it was damaged and broken beyond use. I alerted the seller to which he didnt offer any resolution so I initiated a refund with Venmo XXXX Per the description of their Purchase Protection I should be granted a refund as the item was damaged, either by shipping or by the seller, yet Venmo has offered no assistance in order for me to get my money back.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX furnished a late payment on my consumer report without my knowledge as stated by law 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I never received a notice 21 days prior to Due Date XXXX  has stated they accurately verified the account. how was this account and information verified? 3 days before due date was not mentioned in any part of 15 U.S. Code 1666b - Timing of payments It is their duty as stated by law 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Which XXXX is clearly in violation of my rights this if affecting my every day life of living as well as damaging my credit worthiness as stated by law 15 U.S. Code 1681- Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system
Product: Credit card or prepaid card

Refinanced loan w/ Barclays Bank and proceeds were sent to Barclays from XXXX XXXX mailed XX/XX/2021 received and processed by Barclays on XX/XX/2021 in the amount of {$8600.00} confirmed by check copy provided from XXXX XXXX XXXX ( originator for XXXX XXXX ) after numerous calls and messages Barclays still has not credited the account after 1 month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

My Name was use on a rental property I have no knowledge someone use my identity on XX/XX/2020 on a rental propertys at XXXX at XXXX XXXX XXXX XXXX XXXX, ga XXXX I Never and apartment in my Name this is fraud activity I would like to remove this off my credit report immediately.. thanks may XXXX bless you
Product: Credit card

I have my Social Security money deposited into Robin Hood, which is a brokerage firm. I used my monies from my Social Security that were deposited into Robinhood to make a purchase on my debit card with XXXX. V debit card was rejected and my payment to XXXX did not go through and I lost a deal. Robin Hood froze my account thinking this was probably a fraudulent charge. I spoke to them and sent them documentationon XXXXXX/XX/XXXX when I made this transaction that the transaction was made by me. Ive told them and spoke to them that I need my funds free because I can not pay my bills an and I need my funds immediately. on XX/XX/XXXX when I made this transaction that the transaction was made by me. Ive told them and spoke to them that I need my funds free because I can not pay my bills a and I need my funds immediately. They told me its under review even though I told them all the charges were mine and I sent them XXXX or XXXX times the documentation about my ID that they asked for. My funds are still tied up. I am going through a hard time, not being able to pay my bills and not being able to pay for my hotel. I have to sleep in my car now cause I have no access the funds cause Robin Hood has frozen my account under the review, even though I called them XXXX times. I asked to speak to a supervisor and they hung up on me. Robin Hood is holding me hostage For information that I already verify for them on XX/XX/XXXX. It is now XX/XX/XXXX I am without my funds and I do not know what to do. Robinhood is declining to unfreeze my account. They told me its under review this is crazy.
Product: Credit card or prepaid card

In the month of XX/XX/2023, I paid the full credit card balance ( previous balance listed on my statement ) prior to my due date and Bank of America still charged me interest on what they referred to as a " Residual Balance ''. When I phoned their customer service department to question this charge, I was told that I would essentially need to overpay my credit card account to avoid purchase finance changes, as they no longer have a grace period for purchases. However, my monthly billing statement states, " PAYING INTEREST - We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date. '' I told the reps that this language is misleading and deceptive, and there's no way for a consumer to know that it's necessary to call-in to request a pay-off amount in order to pay-off their credit card account, which is what the reps told me -- I should have called in to request a payoff amount opposed to simply paying my previous balance. I have had this credit card for XXXX and when I opened this account, I'm certain a XXXX grace period was included in my T & C and I don't recall received any XXXX  that would state differently. The BOA reps suggested I review my initial disclosures.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX **** Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off- XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXXXXXX XXXX XXXXXXXX Date XXXX : XX/XX/XXXX Balance : {$63.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off- XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXXXXXX XXXX XXXXXXXX Date XXXX : XX/XX/XXXX Balance : {$63.00} XXXX TransUnion XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} Late/Closed - XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX **** Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off- XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$210.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX : {$63.00} Late/Open