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

I am writing to formally contest and dispute the inaccurate reporting of the account on my credit report. Upon contacting the relevant company, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the account would be promptly updated. Your bureau is legally obliged to conduct a thorough and timely investigation of disputes, including a review of all pertinent information submitted by the consumer, in this case, myself. Both XXXX and XXXX have already rectified the inaccuracy of this account on my report. Therefore, I kindly request that you take immediate action to update this erroneous account. 

XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY CREDIT REPORT THERE ARE FEW FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. THESE ACCOUNTS DON'T BELONG TO ME. THESE ACCOUNTS WERE OPENED WITHOUT MY CONSENT.
Product: Credit card

On XX/XX/XXXX, I applied for the card under an offer to receive XXXX bonus miles upon spending {$4000.00} within the first XXXX  days. Initially, my application went under review. I was contacted for verification of my information, including my SSN, birth date, and address. The card was subsequently approved on XX/XX/XXXX, which I received confirmation of via email. 

From XX/XX/XXXX to XX/XX/XXXX, within the XXXX period, I spent a total of {$4100.00} on this card ( last digits XXXX ). As of XX/XX/XXXX, I had not received the promised bonus miles, so I contacted the number on the back of the card and was informed that I would receive a letter with further details. 

On XX/XX/XXXX, I received a letter indicating that my bonus miles request was declined because previous XXXX XXXX Signature Business cardmembers are ineligible if they have received a new account bonus for this product in the last XXXX years. However, this condition was not part of the terms when I applied. I understand it was added to the card agreement in XXXX.
Product: Debt collection

I have a Collections account on my credit report from National Credit Systems in regards to XXXX XXXX. I 've satisfied this account in full on XXXX XXXX, 2016. I was informed by National Credit Systems that my account will update on my credit reports on XXXX XXXX, 2016, I called to see why it has n't updated after XXXX XXXX and they said that it will update on XXXX XXXX, 2016. Today is XXXX XXXX, 2016 and I spoke with National Credit Systems and she said that they requested for it to be updated. XXXX informed me that it has not been updated since XXXX XXXX, 2016. National Credit Systems continuously lied to me about updating my balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company I'm having a problem with is XXXX XXXX or XXXX XXXX XXXX. This company has caused me problems by, not removing a damaging credit report after receiving the necessary paper work to correct the issue. XXXX XXXX XXXX XXXX Bank has sent the corrections how ever XXXX '' XXXX nor XXXX XXXX XXXX  will correct this issue. 
Please help. 
My credit has been ruined as a result. 

" please do something, ask them questions ''
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. 

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: Debt collection

I am getting multiple calls a day from this number along with XXXX. No message ever left. Calls have been been received for the past three weeks. Called # 's back and receive a voicemail that I have reached " Diversified Consultants ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) ; the permissible purpose of consumer reports to any consumer reporting agency may furnish a consumer reports under following circumstances in accordance with the written instructions of the consumer to whom it relates. 

I consumer XXXX never gave EQUIFAX, XXXX, AND XXXX any written consent to report anything on my consumer report. If you have my written consent to furnish my information, please show me proof of such written instructions from me, the consumer! EQUIFAX, XXXX, AND XXXX  are just an elaborate mechanism defined pursuant to 15 U.S. Code 1681 ( 2 ) ( 3 ). No consent is Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX 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 was reviewing my credit report and noticed these inquiries I didn't authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a rejection letter from my bank ( truist ) stating i was unable to co-sign a XXXX dollar loan for a family.The letter stated the following reasons : Delinquent credit, Foreclosure.I was never on a loan of another person, my mother passed away and the bank XXXX XXXX XXXX XXXX  took back her condo. I had no financial responsibility to her loan and was not on the loan. I have perfect credit, never late and paid off two homes years early.
Product: Checking or savings account

I opened my account to receive my settlement check. The check was deposited on XX/XX/year> and made available XXXX XXXX the day before XXXX. I was out shopping for my children for XXXX gifts and set up my XXXX  to send my brother some money and boom my account was locked. In the mist of setting up my XXXX I did change my address because my family and I moved XXXX XXXX. After speaking my to multiple customer service reps as well as being into branch that 30 mins away from me I provided the bank teller and her manager proof of where the check came from to only get nothing resolved this is unacceptable. From the looks of it this is a citi banks trend 1000s of people are going through this. If this was about the change of address they never asked for any type of proof in which I would have provided my ID with my old address and as well as my new lease.
Product: Credit card

I have an Amazon Rewards Credit Card through Synchrony Bank. Every month, my statement is not updated on their website until a payment is due 7 days later. This effectively only gives me 7 days to make a payment, and recently resulted in a late payment and late fee. The only late payment I have ever had in my life, because I didn't check my credit card bill for a week. 

I had them reverse the late fee, but now my credit score is affected. It's not a huge deal, but it is wrong what they are doing and it should be illegal if it isn't already. 

Other than that, very great bank. Hate to complain.
Product: Checking or savings account

I have a business account with Chase bank. I was receiving deposits from the same bank from my fees that was paid to me for my business. I received a larger deposit on XX/XX/year> and Chase put a hold on my account. They closed my account and told me I would be mailed a check within XXXX  days. It has been almost XXXX months. I asked why my account was closed, they stated they do not have to give you a reason to close account. I was told I had to come in the bank to be verified and I drove XXXX XXXX hours to the bank for them to tell me that their system doesn't verify from XXXX XXXX XXXX  which that is the bank the deposit came from. I've called multiple times and have been told check was mailed, check never was mailed. CHase only verification is if the number is registered in their system. XXXX XXXX XXXX  is a worldwide bank how is it not in your system and what other verification method can be used. They told me none. I drove back into the bank they stated its waiting for verification. XXXX XXXX says that Chase can return the funds and they will send me a check. Chase states that their system won't verify XXXX XXXX number and they will wait up to XXXX  years and send the money to the state. Chase is keeping my money for no reason. Everything can be verified and Chase states that their phone verification saying that it is not XXXX XXXX XXXX  number. XXXX XXXX XXXX  says that, the number provided is their only number. I have talked to supervisors at Chase and they are getting over on us citizens. Please put them out of business. It is nightmare. I have almost {$40000.00} they are holding for no reason. I am getting complaints because I am unable to pay my employees. I was already getting deposits from XXXX  XXXX what changed> it was a larger deposit. XXXX  days I understand waiting but XXXX months is HORRIBLE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 : i have the right to privacy and I did not give equifax written permission to furnish these accounts. 

Delete Accounts : XXXX. XXXX XXXX XXXX Last reported XXXX XXXX, 2023 XXXX. XXXX XXXX XXXX Last reported XXXX XXXX, 2023 XXXX XXXX XXXX Last reported XXXX XXXX, 2023 XXXX. XXXX XXXX XXXX Last reported XXXX XXXX, 2023 XXXX XXXX XXXX  Last reported XXXX XXXX, 2023 XXXX XXXX XXXX Last reported XXXX XXXX, 2023 XXXX. XXXX XXXX XXXX Last reported XX/XX/2023 2023
Product: Credit reporting

Equifax has not responded to my certified letter that they received on XX/XX/XXXX that states the following : RE : XXXX XXXXDear : Equifax please be advised that this letter is being sent to you and all credit bureaus. I am requesting that you remove this account from my credit report. This is not my account, I have never had an account with this company. I have been disputing this account for years. Today I called this company only to find out that this account was opened at a place in Wisconsin called XXXX XXXX bank association. I have never traveled to this place or again opened an account. I placed a fraud alert on my credit report back in XX/XX/XXXX. I also would like to inform you that I never received not XXXX bill or collection notice from this company ever. If this item is not removed from my credit report I will be contacting the XXXX, the XXXX. Office at a state level and I will also file a civil suit. You have 30 days from this notice to remove this account. 

They have not removed or responded to this letter. 
Equifax instead sent me a letter XX/XX/XXXX letting me know that they mailed my sensitive personal information to someone else and are trying to get it back. This person or people have my SSN and address, you name it they have it!!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, at around XXXX XXXX, a former boss sent me a XXXX message and after the usual hello etc, she asked me if I could help her send money to a friend in the XXXX and she'll pay me back through my checking account, that night once, they are done having dinner.. Trusting her and after sending her picture with her grand daughter, I sent the money for {$800.00} plus fee of {$7.00} under Trans # XXXX. After that, I got a text again requesting for an additional amount of {$800.00} and I said, I have to wait for the payment before I send another one. Then I saw a regular text message above my cellphone warning me that the account of my friend, XXXX XXXX, has been hacked and not to send money. But it was too, late, it has been picked up by XXXX XXXX. I called XOOM, where I remitted the money and was advised to make an affidavit. The next day, I was informed that it has been denied because I was the one who did the transaction. I told them it was an honest mistake not knowing that my XXXX  account and that of my friend in XXXX XXXX has been hacked that day. I sent two appeal and was denied again. That same Day, XX/XX/XXXX or early XXXX XXXX, I got a call from a close friend from XXXX XXXX, XXXX, XXXX, and my friend, XXXX XXXX, sent me money because according to him, I texted him through XXXX, requesting for {$1000.00} which I did not. He sent the money through XXXX, but after 3 days, he was refunded by XXXX. The hackers tried other friends of mine, but was not successful, enough. That night, I closed my Checking account and also my credit cards because they even tried to change my profile in my XXXX XXXX Account, and they tried remitting {$900.00} from my credit card. but I was able to call XXXX XXXX to close my credit card. I wrote a letter to the CEO of Xoom in XXXX XXXX, and also XXXX CEO, and COO, but up to now, XX/XX/XXXX, I have not received any reply from them, requesting for a refund for that small amount.I have been a customer of Xoom for almost 8 or 9 years and this is the first time I encountered this impostor through my XXXX Messenger Account. XXXX should also be held liable on this because they are not protecting their members. I hope your office could help me get the refund for my money and also for my sleepless nights after and mental anguish I suffered because of that incident. Thanks you so much.
Product: Credit reporting or other personal consumer reports

IN XXXX OF 2023, EXPERIAN REMOVED A CREDIT CARD OFF OF MY REPORT AND THEN REINSERTED AFTER THEY HAD ALREAY TAKEN IT OFF. 

I HAVE BEEN TRYING TO GET IT REMOVED EVER SINCE AND THEY WON'T TAKE IT OFF IT SHOWS AS ROBINHOOD ON MY REPORT. 

THEY CAN NEVER GIVE ME ANY PROOF AND EVEN WHEN I PROVIDE DOCUMENTS, THEY SAY ITS ACCURATE EVEN AFTER THE ACTUALLY AT ONE POINT REMOVED IT FROM MY CREDIT REPORT. 

Equifax is reporting this same company on my report, and I have also proven and shown that the information is not accurate, Experian removed it before, and they both need to be deleted.
Product: Checking or savings account

My wallet was lost and chase bank told me that the charges where valid and they can not help me to contacted the merchant because my claim is denied for no exact reason I called 10times to try and get it fixed with no help from them
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent account and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to investigate and correct errors on credit reports. Failure to comply with this request promptly will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action. 
This account is fraudulent and must be expunged from my credit report without delay : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This Case is about Wise Bank USA. In a nutshell, I received a phone call from someone posing as an official from the XXXX XXXX XXXX Supreme Court on the XXXX of XXXX using the phone number XXXX XXXX XXXX XXXX. They informed me that my employer had failed to pay taxes, resulting in penalties that would jeopardize my student visa. To make their scam convincing, they provided me with a fabricated case number ( XXXX ) and warning number ( XXXX ). They demanded XXXX from me, promising a refund from two solicitors who were supposed to meet me the following day. 

Regrettably, I fell for their elaborate XXXX  and sent XXXX to one solicitor and XXXX to another. Attached to this email are screenshots that serve as evidence of this transaction. Realizing that I had been scammed, I promptly contacted my bank on the same day ( the XXXX ). Unfortunately, my bank 's response has been less than satisfactory. Instead of immediately blocking the scammer 's account, they requested a police report, which I promptly submitted. However, they later claimed not to have received the report within two days, a delay that might have prevented further losses. I have included the email correspondence with the bank for your reference. They said as my Bank account is based in the XXXX  and not the XXXX, i can contact consumer financial protection beureau. 

I did open my case with the financial ombudsman in the XXXX but, they said since my account is in the XXXX, their judiciary can not help me recover the full amount or any at all and therefore i should come to you guys in the XXXX.
Product: Consumer Loan

XX/XX/XXXX I took out an auto loan with regular payments being made on time. As of XX/XX/XXXX I missed a few payments due to changes in my work hours. XX/XX/XXXX M & T Bank granted me an extension on my auto loan which took my two months that I was late and pushed them to the end of my contract agreement. Which in most if not all cases XXXX out those months and XXXX out any late fees that may have been calculated for those months. Well in my case they did not do that the company just added those fees to my next months bill. XX/XX/XXXX through to XX/XX/XXXX over {$1000.00} to get everything caught up to date. This company has attacked my credit score status stating that my account is delinquent and no payments are being made ruining my credit score. Their account system is very inaccurate 7 months out of my account are dated incorrectly. M & T Bank also claims that they are a debit collection agency which seems to be a conflict of interest if they are a bank. The harass you by calling multiple times a day within a week. It seems like no matter how much money I try to put on my account it does n't seem to get caught up to date. It also seems like no one knows the TRUE POLICY when a customer sends money in early. The also do not let you state where you wish your money to be sent or disbursed. I do not know how to attach copies of all my paperwork but I can mail it to you if want a copy. M & T Bank also makes it very hard for any other banks to buy out my loan they either do not answer the phone or they hang up on the bank that is trying to buy out from them.
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX, XXXX and Equifax credit reports, I can see information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. Please see attachments below
Product: Vehicle loan or lease

I have finished paying my car loan with Gateway One Lending and Finance ( a XXXXXX/XX/XXXXcompany ) back in 2017. 

Gateway One Lending and Finance went out of business, and Santandar Bank bought them. Santander claims they do not have the lien of my car. 

I spoke to DMV - they state that they never received a notification from neither bank confirming my car loan was paid - DMV needs a lien release from Santander. This is done electronically. 

I am attaching two documents to prove I paid my car off.
Product: Debt collection

This is a different account that this collection agency tries to continue to collect on but they have yet to produce a promise to pay with my signature or a HIPPA release giving this 3rd party permission to have my medical information. I never received anything on this account giving me 30 days to dispute the validity of the debt as well as when requesting information about the accounts they continue to report on my credit report, they included someone elses medical information and someone elses bill in with my information. Besides not having the promise to pay or the HIPPA release as well as never notifiying me they had purchased the debt giving me 30 days to dispute the validity of the debt, they are extremely irresponsible with people 's personal medical records obviously.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX ... the living human being, I am submitting this on my own behalf..no credit repair company..no attorney ... .this is my knowledge of the Fair Credit Reporting Act. I recently submitted to all 3 bureaus that my credit reports contain fraudulent accounts, I submitted all correspondence proving that these accounts are fraudulent yet the bureaus continue to send me reports claiming that these accounts belong to me without any PROOF! I know it's frivolous, hoping that I go away and accept this fraud. The consumer financial protection bureau know first hand that these companies work for the CORPORATE wolves! I demand that these bureaus, EXPERIAN, XXXX AND XXXX are forced to do their jobs! In accordance with the Fair Credit Reporting Act XXXX  accounts # 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 HAS VIOLATED MY RIGHTS.

15 U.S.C. 1681 SECTION 602 STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 SECION 2. STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN PERMISSION.

Every account listed above has been put on my credit reports fraudulently and I demand they every one of them is deleted immediatley! the Law is clear and all 3 of these Credit reporting agencies are clearly in violation of the law and I am prepared to do everything I need to do by LAW to hold them accountable! Every violation holds a monetary value that I will pursue in the courts.
Product: Money transfer, virtual currency, or money service

Coinbase Pro allowed someone to hack into my account and steal my money without verifying identity. I have lost over {$10000.00} as the account is locked and I can not get access to prove the money belongs to me.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act 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 ar open end consumer credit plan as late for XXXX purpose.
Product: Debt collection

RGS Financial is reporting a medical debt in the amount of {$300.00} that belongs to my minor step daughter. My step daughter does not live with me and never has. I have never taken my step daughter to any medical appointment and have never signed anything saying that I would pay for medical expenses for her. The name listed on the bill that RGS Financial sent me belongs to my step daughters biological mother. The name on the invoice is that of my step daughter. I think when my step daughters mother took her to the dentist office and they used my insurance policy, the dental office attached my step daughter to my established account that I have for my biological son. This company can not and does not have documents where I signed and agreed to pay for medical expenses for my step daughter. I am not my step daughters guardian and HIPPA would prevent me from even obtaining information from a medical provider in reference to her. Please have this collection account removed from my credit report immediately as it does not belong to me.