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

My mother and I jointly hold two CDs at Marcus by Goldman Sachs. The values of the CDs are {$50000.00} and {$25000.00}. My mother, XXXX XXXX, passed away on XXXX XXXX XXXX About a week after her passing, I notified the institution. I was informed that they would close the CDs  WITHOUT EARLY WITHDRAWAL PENALTY upon receiving a certified death certificate and a " Letter of Intent '' directing the institution to close the accounts and on where to send the funds. Those documents were provided to the institution on XX/XX/2023. The following is a timeline of pertinent conversation with the institution : XXXX Verified receipt of death certificate and letter of intent. Told that process will take 3-5 business days. 

XXXX Requested update. Told that process takes 10 business days. 

XXXX Requested update. Told that process takes 3-4 weeks. Confirmed that request is being expedited. Requested call from supervisor. 

XXXX Supervisor called. Stated that accounts would be closed in 5 business days. 

XXXX Requested update. Told that accounts would be closed in 48 hours. 

XXXX Requested updated. Told that request has been expedited but could not give any timeline. 

NOTE : THere are two CDs. The fields below only allow listing one account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a contract with XXXX XXXX XXXX XXXX. I am not liable for collection of this debt from XXXX XXXX. I am not responsible for this debt.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX
Product: Debt collection

First Progress/ XXXX XXXX  has been reporting this fraudulent account on my credit report 2021. I never had an account with them. The card appears to have a XXXX limit. The account is reporting a {$270.00} high balance. As well as reporting a late payment. This account is listed as an adverse account on my consumer report negatively affecting my credit worthiness.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Experian. dear credit reporting agency formal dispute regarding inaccurate information, I'm writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being I'm aware of my rights under the fair credit reporting act and request a thorough investigation into these inaccuracies, as required by federal law. recently the consumer financial protection bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing ''sham investigations ''and other unlawful practices .these practices. as outlined by the CFPB, include .conducting inadequate investigations that fault address consumer disputes properly .reinserting previously disputed and inaccurate information without explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX RI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX XXXX XXXX Balance : {$1500.00} XXXX CARD XXXX Balance : {$0.00} XXXX BANK NA XXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a Tennessee XXXX XXXX XXXX debit card which is received once someone applied for unemployment benefits. On XX/XX/2022, I received a letter from XXXX XXXX stating that they could not open a checking account because they could not verify my identity. On XX/XX/2022, I received a notification from XXXX XXXX that I had hard inquiries on my account. On XX/XX/2022, my credit was pulled from both XXXX XXXX and XXXX. On XX/XX/2022, my credit was pulled again by XXXX XXXX XXXX. None of the incidents above did I initiate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute regarding no late payment I have always been on time and got a letter from the creditor report account in good standing never late.
Product: Debt collection

On XX/X/2017 XXXX XXXX XXXX aquireed a fraudulent debt from XXXX XXXX XXXX. I have sent in several validation letters to the company as well as my police report filed stating my identity was stolen around the time of this loan was taken out. Still without any avial they have n't made any attempts in resolving this matter. I have started filing a lawsuit against the company for it unfair and unpractical debt practices. they arent licensed to collect sets in the state of Georgia yet they still attempt to collect this fraudulent account debt from me. It is affecting my credit as well as my ability to purchase a new home for myself and my children. This debt was old to them by Santander who has since stated that the debt was fraudulent and have removed me out of their system. now i need XXXX XXXX to do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I notice some Hard Inquires on my Credit Report. I did not authorize anyone employed by these Companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and a serious breach of my privacy rights. Please see Companies Below : Company Names XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX Mortgage XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Your company is clearly in violation of the law. Under 15 USC 1681C-2- Block of information resulting Identity theft. The LAW CLEARLY STATES ( a ) BLOCK Except as otherwise provided in this section, consumer reporting 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, no later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer. ( 2 ) a copy of an identity theft report. ( 3 ) the identification of such information by the consumer ; and 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Nowhere in the law where it states to provide a police report. This is clearly a stall tactic and going against my human rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing happened or action was taken to cure problem at hand.
Product: Credit reporting or other personal consumer reports

I am following up on the recent investigation. I disagree with your findings and seek complete accuracy. I am not convinced that sufficient efforts were made to contact the creditor reporting this information on my report. As a result, I am requesting additional information regarding these specific accounts in question : XXXX XXXXXXXX Balance Owed : {$250.00} & XXXX XXXXXXXX Balance Owed : {$340.00}. Again, in accordance with the provisions of the Fair Credit Reporting Act, 15 U.S.C. Section 1681i, please reinvestigate and update these disputed accounts. Please provide me with the names and addresses of the individuals contacted. You have fifteen ( 15 ) days from the receipt of this letter, as stipulated under 15 U.S.C. Section 1681i ( 5 ) ( A ), to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this period constitutes non-verification, and the items must be promptly updated as per Section 1681i ( a ).
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 someone applied for a CHASE FREEDOM Visa Signature credit card in my name using my personal info. CHASE ran a credit report inquiry and called me to see if I initiated an application for which I said no. Thet said they would cancel the card application and advised me to report identity fraud. I called the credit bureau and placed a fraud alert and disputed the inquiry onmy report for XX/XX/2024 by JPMORGAN CHASE, reference # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd attempt to correct my XXXX credit report and these idiots continue to break the law. This is absurd. I am a true victim here! I have sent in FTC and Affidavit and 609 letter before and nothing was done. It has been 75 days, 75 days!!! The information located inside of my FTC report needs to be corrected NOW! I have my lawyer contacting the Attorney General 's office in reference to my credit report. I will sue if I do not get cooperation immediately. Its been 75 days already. How much longer should I suffer? I will be homeless if this is not corrected. Do you want to be the ones who could be the solution, but chose to continue to break the law and my rights? Correct my credit report, NOW!!! 

And before you three ( TXXXX, XXXX and Equifax ) try to stall and say I'm doing this for goods, or I did not authorize you to correct/investigate my report, THIS IS XXXX XXXX ! I have attached my social security card, proof of address and ID. Please do not try the XXXX tactics. Again, this is my last attempt! Thank you.
Product: Checking or savings account

Perhaps its my failure to perform due diligence, but I was XXXX  and I read the ad saying to get my direct deposit XXXX days early but once I signed up for it, I found out that it takes XXXX pay cycles to get my money which means they hold my check for XXXX to XXXX weeks. I can not live without my paycheck. I have a family to feed and theyre holding the money for what reason I dont know because I checked with my companies AP and XXXX already been distributed but theyre holding the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my accounts were up to date and current until I was laid off due to COVID-19. I continued to pay as long as I could but I contacted every one to let them know that a natural disaster was causing distress in my life. No one offered any options, alternatives, or other solutions. I also let them know that I was not eligible for unemployment. Shortly after that, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. No one would listen to me. All they wanted to do was sell my accounts to a debt buyer who asks for ridiculously high monthly payments and dont want to hear what I have been going through. Now because of XXXX, a natural disaster, I am punished for 7 years.
Product: Checking or savings account

Wells Fargo advertised a savings bonus offer in early XX/XX/2023. 
the offer was XXXX which was set to expire as an offer on XX/XX/2023 The terms were as follows : 1. Sign up your existing XXXX XXXX XXXX  saving account for this offer by going to a branch and having a banker apply your bonus offer code to the account. 
I signed up at a XXXX VA branch on XX/XX/2023 with XXXX. 
2. Deposit {$25000.00} or more in new money to your way to save savings account by day 30 from the account sign up and maintain at least {$25000.00} balance through day 90 after account sign up. 
I made a deposit of {$25000.00} at the same XXXX branch on XX/XX/2023 directly into " way to save '' account, XXXX was present and aware of the deposit. 

Bonus payment : We ( Wells Fargo ) will deposit your bonus into your " way to save '' account within 30 days after youve met all other requirements. 

First, in addressing calculation of " 30 days after youve met all other requirements '', it could be argued the " 90 day '' clock for the offer began with XX/XX/XXXX " sign-up '', but even if we start with the XX/XX/XXXX deposit, day 90 is reached on XX/XX/2023. 30 days from XX/XX/XXXX is XX/XX/2023. 

It is now XX/XX/2023 and I never received the promised {$520.00} into my " way-to-save '' account. Wells Fargo is clearly in breach of this agreement. 

At a most generous reading of the agreement, which Wells Fargo has clearly breached, My tying up {$25000.00} for 120 days to receive {$520.00} is equal to an annual % rate of XXXX or {$4.00} per day. {$520.00} divided by the 120 days as a percentage of the {$25000.00}. 

On or about XX/XX/XXXX I went into the branch where I had signed up and spoke to XXXX. She confirmed that I had done all thing required and said she would put in a " request '' for further explanation. 

I have heard nothing further. 

It has now been 21 days from XX/XX/2023 at {$4.00} per day, that's another {$91.00} at least that I am owed I believe the offer uses language that suggests the clock for all calculation begins with sign up. With the XX/XX/XXXX date at sign up, the 90 days, plus 30 to pay ends on XX/XX/2023 that means 39 days have passed since the Wells Fargo breach 39 days at at {$4.00} per day = {$170.00} I am open to hear analysis on this matter XXXX XXXX
Product: Credit reporting or other personal consumer reports

I opened a business card for my business XXXX XXXX. I closed the account on XX/XX/XXXX because I had to dissolve the business. This card was never reported to my personal account as it was a business card. I attempted to pay but also advised representatives that my financial status had changed and I wanted to set up a payment plan. They advised that since I was not past due... there was nothing they could do. Last week, I received an update from the credit reporting agency noting that my score decreased by XXXX points due to the reporting of this business card on my personal account as 60 days past due. I called Chase and was advised that " they can do that ''. I was also advised that they closed the account in XX/XX/XXXX which is untrue. I want this card removed from my account as it should not be there in the first place. I want someone to attempt to set up reasonable payment plans with me as I expressed well before it went past due that I needed help!
Product: Credit reporting or other personal consumer reports

I am requesting to formally dispute several inaccurate addresses listed on my credit report. Upon reviewing the report, I noticed that these addresses do not correspond to any locations where I have resided or conducted financial transactions. I can confirm that I have never lived at any of these addresses nor have I authorized any financial accounts to be associated with them. As such, their inclusion on my credit report is misleading and potentially damaging to my creditworthiness. 

I understand the importance of accurate reporting and its impact on my financial standing. Therefore, I urge you to conduct a thorough investigation into these discrepancies and remove the inaccurate addresses from my credit file as soon as possible.
Product: Debt collection

I contacted the original lease company about the debt and found that my social was NOT on the contract. I am a XXXX and the XXXX has the debt. The collection company found my social ( without the lease company the debt is from ) and has been contacting me for the money. I contacted them to express it is not mine, and they insist that I must jump through hoops to get my social removed including an identify theft report that is not necessary because my social was NEVER used for the lease. I contacted the original company to confirm that my social was still not associated with this debt, and they again confirmed and forwarded to the debt company that it is not me. They have contacted me again and will not correct THEIR mistake and illegal look up of my social and credit scores. ( The woman from the debt agency told me that she had every right to look up my credit score without my consent after illegally obtaining my social security number )
Product: Student loan

I have submitted four application to have my student loan discharge because of false certification due to I didnt have an High School Diploma nor GED at the of enrollment. All four times my application has been denied because Nelnet are saying that I have an GED. I dont not have an GED at all.
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 U.S.C 1681 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. Stares I have the right to privacy 15 U.S.C 1681 Section 604 A Sction 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 consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not finish 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: Checking or savings account

XXXX Bank, XXXX XXXX, PA XXXX charged my bank account {$610.00} for a late payment which included late fees and penalties I missed a payment of {$490.00} but within 30 day I was charged {$610.00} which over a 60 % rate for less than 30 days This happened on XX/XX/2022 with confirmation number XXXX and I want XXXX Bank to stop charging these outrageous fees and penalties to their customers
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I applied for Schwab brokerage account. They opened account # XXXX and let me connect my XXXX XXXX checking account thru application online with verification process. Then they allowed me to transfer my money in 2 deposits from my checking account ( {$300.00} total ). 
Then they restricted my account for no reason, so I was unable to place any trade or even transfer my money back to my checking account. 

I chatted with their representatives 4 or 5 times and every time they promised that I will be able to transfer my money back next day, then XX/XX/2023, and then Friday XX/XX/2023. I am still unable to transfer my money. So, they literally froze my money. 

They asked me to unfreeze my XXXX report to transfer my money back which I considered illegal. They opened my account without it and let me transfer my money from my checking account and then ask me to do thing to be able to transfer it back. They told me via chat that they allow me to transfer my money back in the beginning, but then refused to do so. 

I ask agency to fine Schwab company for illegally hold my money and unavailability for me to use my money or transfer it back to my checking account and to order Schwab give my money back ( {$300.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting fraudulent and erroneous information
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE INQUIRIES GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE INQUIRIES ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.