23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I've followed the instructions they set forth, I've called multiple times, I've summited the online document and haven't gotten any response. This company without my knowledge and permission is reporting inaccurate information!
Product: Bank account or service

We deposited {$510.00} ( cash and check ) into a BB & T business checking account on XXXX XXXX, 2016 and have a copy of the receipt showing this - teller, as usual, counted the deposit as it was being made. Several days later, we received an 'account adjustment letter ' noting that the deposit was short by {$20.00} and that the funds had been withdrawn from the account as a result. I have been trying since XXXX XXXX to resolve this, with both the branch and BB & T, with no success. I did learn on XXXX XXXX that while we deposited {$430.00} cash and {$78.00} check, the teller showed it as {$410.00} cash and {$98.00} check - as there were clearly XXXX mistakes made by the teller in her paperwork, we feel it is clear that we are owed {$20.00}
Product: Checking or savings account

On XX/XX/2019, I went into a U.S. Bank branch to open up a U.S. Bank Business Silver Checking account along with a U.S. Bank Platinum Business Money Market Account. There was also a promotional offer where I would receive {$400.00} bonus if I deposited {$5000.00} in new money into the account within 30 days. On XX/XX/2019, I made my first deposit of {$3000.00} and I made another deposit of {$2000.00} on XX/XX/2019. The flyer states that I will receive my bonus within 45 days after deposit verification. From XX/XX/2019 to XX/XX/2019, it has been 76 days. The banker who helped open my account made certain that the promotional code he entered was correct, but I'm unsure why there's such a long delay of my bonus posting. Also, the banker mentioned that there would be three statements worth of fee waivers for the U.S. Bank Platinum Business Money Market Account, but I've been assessed the second and third statement fees on XX/XX/2019 and XX/XX/2019, respectively. I contacted the banker and he said he'd get back to me once he hears back, but I haven't heard from him since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX AUTO BLATANTLY VIOLATES SEVERAL FCRA regulations. XXXX XXXXXXXX account was CHARGED OFF on XX/XX/XXXX but continues to report it as a charge off/ collection status open, with discrepancies between each of the credit bureaus. This inaccurate information falsely manipulates statute of limitations, and proves that XXXX XXXX deceptively report incorrect information to credit agencies. Despite being charged off, XXXX XXXX has failed to provide me with a 1099-C form, as required by IRS code 4681. Additionally, XXXX XXXX auto has violated the GLBA ( XXXX5 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties. This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ) Furthermore, XXXX XXXX has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
Product: Checking or savings account

Capital one still hasnt deposited anyones money. They posted my deposit to my account but I still dont have my money. How does that make any sense? Someone needs to do something. Its been XXXX hours and they still havent fixed the issue.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/year>2023 and XX/XX/scrub> 2023. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting

I have a student loan that went into default, I repaid it through the XXXX program. I am current and have been current since 2012 with the new servicer my loan was sold or transferred to. The original creditor was XXXX the new creditor is XXXX XXXX XXXX. My credit report reflect erroneous duplicate information that they refused to properly investigate and remove. I am requesting assistance for this information to be removed and for my claim to be taken seriously, it has affected my ability obtain credit and loans due to the lowering of my fico score and this inaccurate information.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report, specifically regarding the mortgage account XXXX XXXX XXXX XXXX XXXX XXXX. This request is made in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information.

I recently reviewed my credit report and noticed inaccurate information related to this account. I believe this inaccuracy is adversely affecting my credit report. I request that you reinvestigate the completeness and accuracy of every piece of information related to this account. If any information is found to be inaccurate, I ask that it be promptly removed from my credit report. According to 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be deleted from my credit report. Additionally, under 15 U.S. Code 1681e ( b ), I ask that you ensure all procedures followed in including this information are reasonable and guarantee maximum accuracy.

Furthermore, you are reporting a late payment on this account for XX/XX/year>, which is incorrect. I was not late on [ XXXX XXXX ]. I request that you verify the information and update the payment history on this account as " PAID, NEVER LATE '' immediately.

Please send me the results of your investigation and an updated credit report reflecting any changes via mail once it is complete. I appreciate your time and attention to this matter and look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Other financial service

I contacted the Law Office of Michael Lupolover because I was contacted by a debt collection agency that violated the FDCPA Law when contacting me. After 4 months of waiting to be contacted, XXXX contacted me with a settlement offer. He urged that I sign the settlement as quickly as possible. I advised him that there was information missing in the settlement. Which he assured me that it would me changed and to sign the XXXX settlement just so it could be filed. He lied to me about several things that were suppose to happen that never happened. He told me that the debt collection agency would no longer be able to contact me so they will be sending the debt back to its original creditor. 3 months later XXXX and XXXX XXXX, who claims he is Senior Attorney, keep telling me verbatim " the debt collector has already returned debt to the original creditor ''. This could n't be more false if it slapped you in the face. I called the original creditor 3 times and spoke with supervisors saying that it was n't returned. I called the debt of ed which has verified that the debt belongs to the same debt collection agency that harassed me! This debt collection agency also reported to my credit bureau which resulted in me getting denied on an application which the XXXX Lawfirm has has stated that they did not do! They came to a settlement amount of XXXX with the debt collection agency and I was only getting XXXX and they would keep for themselves?! XXXX Lawfirm was charging me XXXX for fees on an arbitrary number. This Lawfirm is worse than the debt collection agency that harassed me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I reviewed my online Equifax Credit Report. it showed 2 accounts as Negative. I then called and it was confired as only one. I asked why I could not see it and they stated it because I had a free account. 
The only negative one they could see was for an auto loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and was a charge off. 
I explained that was inaccurate, as that loan was included as a secured claim on my XXXXXXXX XXXX XXXX which was discharged in XX/XX/XXXX. I have received the lien release for the car in XXXX of XXXX. 

it shows not removed until XX/XX/XXXX and was opened XX/XX/XXXX. 

the loan was opened XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous complaints about my accounts being inaccurate but they tell me they received accurate information that I'm responsible for these accounts but didn't furnish me with any documentation I'm responsible. I'm requesting all three bureaus show me proof of ownership to these accounts. Disputed these accounts last year of 2018. These accounts are, XXXX XXXX account # XXXX  Experian & XXXX # XXXX XXXX   XXXX XXXX account # XXXX  XXXX & Experian & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reports for collection of delinquent child support, judgements, fines and liens may no longer be permitted. 

Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act. 

I have contacts all 3 credit reporting agencies with Notarized Letters to comply and they have disregarded my notifications and will not comply with the Federal Courts Ruling. Therefore they continue to cause damage to myself and my family 's well being due to these accounts not being removed from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I review my credit report and I notice two hard inquiries that are fraudulent, please remove these two fraudulent hard inquiries from my credit report. XXXX XXXX/XXXX XXXX XX/XX/2018 and XXXX/XXXX XXXX XX/XX/2018
Product: Checking or savings account

On X/XX/2017, two charges were made to my PNC account from XXXX. One was for {$9.00}, which brough my balance to {$2.00}, and the other charge was {$3.00}, which brought my balance to negative {$1.00}. I was then instantly charged a {$7.00} 'service charge ' by PNC . So my account was overdrawn by {$8.00} after this service charge. I did n't immediately take care of the problem as I have moved states, and was traveling/busy over the next two weeks. This is my mistake. I received a call on XX/XX/XXXX stating that my account was now {$170.00} in the negative. So because of one overdraft charge, and then the bank 's own fee, I owe nearly {$180.00} for going less than two dollars negative. The punishment I received does not match the crime. It 's like executing someone for stealing a loaf of bread. <P/>So I paid it off after unsuccessfully attempting to have them be merciful, and asked them to close my account. Never use PNC. Use a mattress. A mattress wo n't steal from you.
Product: Debt collection

XXXX is reporting to all three credit bureaus that I owe a bill I asked for verification of this bill they say that they have it if this company has my hospital records that is in violation of HIPPA Act hospitals cant give my full ssn or medical records to third parties such as collections if they dont have my medical records then they are violating my FCRA for not having fully verified information either way you look at it my rights are being violated by this company I have multiple XXXX bills on my reports I am asking for full removal of all XXXX collections from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine and unverifiable. 
1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX I have asked all three credit bureaus to provide me with the proof, bearing my signature, holding me liable for this account they have all failed to do so.
Product: Debt collection

On or about XXXX XXXX, 2017. I contacted XXXX XXXX XXXX XXXX XXXX ( XXXX ) to set up a payment plan. After the gentleman read me the disclosure, he then attempted to collect on the entire amount of the debt. I explained to him that I could only a particular amount per month until I 'm financially able to pay more. He said that my amount was not acceptable and that i needed to pay a higher amount. I again told him that I could not commit to the higher payment. He then ask me " What happened and why I have n't been paying my bill '' I told him that due to medical illnesses, I was not able to. He then asked me " What is wrong with you? ". I responded asking him, " what do you mean? Are you asking what 's wrong with me medically '' ; he said " Yes ''! I told him that it was personal and do not wish to disclose my medical information.
I feel that my HIPPA Rights have been violated! Aside of his curtness and lack of professionalism. I am certain that this call was recorded and should n't go unaddressed!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 credit reporting agency Experian continues to violate my federally protected rights under the Fair Credit Reporting Act 15 USC 1681 by reporting fraudulent consumer credit transactions that are due to identity theft. 15 USC 1681c-2- Block of information resulting from identity theft states that except as otherwise provided in this section, a consumer reporting agency 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, not later than 4 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. Having this knowledge Experian needs to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy by immediately blocking the accounts that are a result of identity theft from my Experian consumer credit file and report. The purpose of the Fair Credit Reporting Act is to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 USC 1681. I have attached all requested proof of identity, a copy of identity theft report and notarized identity theft affidavit, identification of the identity theft information that appears on my Experian consumer credit file, and a statement by me the consumer that the information is not information relating to any transaction by me. 

I AM A VICTIM OF IDENTIY THEFT!
Product: Credit card

I purchased a Vanilla Gift Card at XXXX for {$500.00} on XX/XX/year>. I used the card to make a purchase from XXXX on XX/XX/year> for {$240.00}. The card was accepted. I next tried to used the card at XXXX self checkout on XX/XX/year>. The card was declined as being invalid. When I got home, I called Vanilla Gift Card ( XXXX ) who told me that the card was not even good when I walked in the store. I spoke with supervisor XXXX, who told me a replacement card was being sent that day by XXXX XXXX and would arrive in XXXX to XXXX business days. It has been six business days, the card has not arrived. I just called Vanilla Gift Card and spoke with XXXX ( I requested a supervisor who would not talk to me and also requested a tracking number that they could not provide me with ) who told me that now it would be 7 to 10 business days. Vanilla Gift Card owes me {$250.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts -XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I 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.
Product: Mortgage

My 18 month mortgage forbearance with Wells Fargo recently ended. I submitted a mortgage assistance application to see what other options are available to me. Right now they haven't processed the assistance application and are only pushing me into a new 30 year mortgage when I only have 10 years left on the current one. It doesn't make sense to me to not have any other options but the additional 20 years. I can definitely resume regular payments next year ( when my Social Security benefits begin. ) I just want to be told first what all my options are so I can make an informed decision. They absolutely won't say, just that it will " probably be worse for me '' if I don't accept the new loan modification offer and the property will go into liquidation. -- -- This sounds like a predatory loan practice during a legitimate COVID related hardship.
Product: Checking or savings account

Someone opened and closed an account at Wells Fargo without my authorization. I received mail to an old address and this is how I became aware.
Product: Credit reporting or other personal consumer reports

Thank you for addressing some of the inaccuracies in my credit file. Nonetheless, I believe the Fair Credit Reporting Act 's standards have not been fully adhered to. The account in question still needs further action to ensure its utmost accuracy. I request another investigation into the following account : OKNSINC Date Opened : XX/XX/year> XXXX Balance Owed : {$2100.00}. If your investigation can not verify the disputed information, please update it immediately. Additionally, please send a detailed description of the procedure used to determine the accuracy and completeness of the information to my address provided.
Product: Debt collection

XXXX XXXX XXXX has reported negatively against my XXXX credit report as with other credit agencies. Will not stop attempting to collect a debt I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX