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

On XX/XX/year>, at approximately XXXX XXXX, I made a cash deposit of {$7000.00} at a Bank of America ATM ( ATM ID : XXXX ). Upon inserting the cash into the ATM, the machine processed the transaction but displayed an error and did not credit my account. Since it was a holiday, the bank was closed. I immediately contacted the XXXX XXXX XXXX who advised me to contact the bank. 
On XX/XX/year>, I visited the branch first thing in the morning to report the incident. The branch staff confirmed they had found {$7000.00} excess cash during their count and had reported it. They assured me the credit would be applied to my account either the same day or the next day. 
After filing a claim, I was then told it would take 2 business days for the credit. On Friday, XX/XX/year>, I met with the branch manager who said I should receive the credit the next day. However, when I called Bank of America today, they claimed they need 10 business days for research, despite having already located and confirmed the excess {$7000.00} in the ATM. 
This situation is particularly concerning because : The bank has confirmed finding the exact amount ( {$7000.00} ) in excess cash Multiple bank representatives gave different timeframes for resolving the issue The bank is now claiming a 10-day research period despite having already located the funds I have been without access to my {$7000.00} for nearly 7 days I am requesting immediate credit of the {$7000.00} to my account, as the bank has already verified the excess cash matches my deposit amount. This extended delay in crediting confirmed funds appears to violate banking regulations regarding timely resolution of ATM errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$3900.00} XXXX XXXX XXXX XXXX {$11000.00}
Product: Debt collection

I am sending this complaint. In reference to a payday loan that was initiated under my name due to identity theft. Apparently someone that has my personal information access this cash thru an app that you download on a mobile device. I have been told by TRANSUNION credit report agency that the original loan amount was {$90.00} and that there is {$79.00} still being reported as owed. I have gave information of my identity theft circumstances to all 3 credit reporting agencies in 2017. This company did NOT protect my identity. This account was open fraudulently. I have attempted to contact them directly to file my dispute, and the contact information provided to me was a telephone number that is disconnected. 
Please contact them at : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX the phone # is XXXX please verify that this number is disconnected and there is NO WAY for me to file a dispute with them directly.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. I Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : I have several names, addresses, phone numbers and EMPLOYMENT that are incorrect.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of student loans,, US DEPT ED. all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 US DEPT ED : # XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I started repaying my loan with the third party and at a point I talked to them because could n't keep making the full monthly payments of XXXX, to which they offered me to make payments of XXXX for a few months and accepted the offer. they sent me the receipts of debit for the amount of XXXX twice and then contacted me and told me that it was wrong and they could n't do that that if I did n't make the full payment at that time I would loose everything and would have to start over. I explained they made an agreement and that they would have to keep it because I already payed {$4200.00} to a settlement offer of {$7600.00}. Under UDAP, they deceived with information given and then I heard nothing from them and was contacted by another 3rd party to start repaying the whole amount and that I lost all the money I had already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries are on my report that I did not authorize. I put a fraud alert on my credit and creditors were still able to put inquiries on my report without giving me a call to verify that it was me. I do not recognize these inquiries nor did I apply for anything. 


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

ON XXXX I received a notice that a new inquiry was on my report. After viewing my credit report I noticed there are multiple inquiries that I did not authorize. I contact Transunion, but their customer service would not help and refused to take care of the negative inquiries reporting to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have disputed my Experian credit report twice since XXXX, and the same errors are occurring. XXXX loans : There are COLLECTIONS INDICATORS for the most recent dispute period, so both XXXX and XXXX for both occurrences of this account. The first dispute resulted in COLLECTIONS INDICATORS for months XXXX and XXXX ; why is this happening? Can you please remove this ASAP??? This account has not had any reported activity from the lender in over 5 years. It is paid out and no longer active. -XXXX
Product: Debt collection

This debt is not mine. I never signed any agreement with the institution. I never authorized this account. The account needs to be deleted most expeditiously.
Product: Payday loan, title loan, personal loan, or advance loan

I sold my home to my daughter and her husband and they put solar panels on their roof. Without my knowledge, approval or consent the loan company they financed through used my credit as a basis to approve the loan. I knew nothing of this company nor was I involved in the process. At no time did I authorized them to pull a credit report, I did not agree to be on the loan and I DID NOT sign their paperwork. I knew nothing about this till the financed amount appeared on my credit report. I do NOT live at the house and have no legal interest or rights in it.
Product: Debt collection

XXXX Notice for validation. This debt was put on my credit report without notice and i would like them to validate that the debt with a itemized bill to confirm amouts owed
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank has made a hard pull on my credit report on XX/XX/2019. I immediately notified them. They informed me that an investigation would be performed. The results from that investigation was that they made an error and that they would remove the hard pull from my credit report. I have spoken withXXXX, XXXX, XXXX, XXXX. I have also reported the information to the XXXX twice because, even after they admitted to the mistake, they have yet to correct their error. I have correspondent with them via phone, email and letters. I also have a recorded conversation with them. It is now XX/XX/2019 and they have not removed the inquiry that they made on my credit report. I have now had to freeze my credit reports to ensure they do not attempt to pull my report again. 
XX/XX/2019 XX/XX/2019 I contacted Synchrony Bank to let them know of the error. They told me to send a copy of the report to show the error and I did. 
XX/XX/XXXX : Company tells me it will take 6 weeks to finish the investigation XX/XX/2019, I contact the company and they told me the 6 weeks does not include weekends. 
the company tells me they are still working on my case and it will be finished in 6 weeks  XX/XX/2019 reported to XXXX XX/XX/2019 company responds telling me to contact via email XX/XX/2019 company admits to error XX/XX/2019 reported to XXXX XX/XX/2019 company responds and tells me they will do check to see why it hasn't been removed as I was told XX/XX/2019 reported to XXXX XX/XX/2019 company responds via email and ask me to send the same information again XX/XX/2019, I now report to CFPB and will report again to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number and date of birth was hacked. My account with Experian has my x wifes email in their system. The code to log in goes to the x wifes email. All I want to do is set up a security freeze? Experian will not answer their phone. I need an immediate freeze. Please help. Email me at XXXX, or call my office at XXXX. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX until XX/XX/XXXX I was in forbearance for my mortgage due to COVID. In XXXX I contacted Bank of Oklahoma to exit my mortgage and begin making my normal monthly payments as well as to work out a repayment plan. We came to an agreement and around XX/XX/XXXX I received the letter outlining my repayment plan amounts/terms. A couple days after I scheduled my payment to be made and it was received and credited to my account on XXXX. On XXXX, I received multiple notifications from all three credit bureaus that my mortgage was being reported delinquent and being sent to collections. Around XXXX on XXXX I called and after talking with the representative she sent an email to the credit reporting department. She said she would contact me when she heard back from them. Considering this mistake dropped my credit scores with all three credit bureaus by 67 points and it was a significant drop and could affect my finances i.e. credit cards and I'm in the process of buying a house I need this fixed ASAP. Due to the urgent nature of this, I contacted Bank of Oklahoma again towards the end of the day on XXXX to get a status update. I was told we need to give them 24 hours, which is one work day and almost at that already anyways. When I asked for a supervisor I was denied. I re-confirmed and was told I could NOT speak to a supervisor. I need this false delinquency to be corrected on my credit report on XX/XX/XXXX so it has no affect on my finances, rates, and home purchase. I'm not delinquent. I've followed all the agreements and terms that have been jointly agreed on and have not been told any of these would lead to a delinquency being reported on my credit reports. I have 20 years of credit history with not a single delinquency on them until now and this isn't even correct. It needs to be fixed ASAP XX/XX/XXXX to reduce financial affects.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. 
Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle fail to investigate my claims adequately.

They informed me that recovering Lost funds was impossible and that tracking these transactions was unfeasible.The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

This complaint is regarding navy federal credit union. Im proceeding with this complaint because theyre having serious calculation issues. My deposit amount dose not match my expenditures and the total amount of my deposit is incorrect. My account is saying I have a negative balance when after calculating my expenditure, it shows a difference of almost {$300.00}. The nearly {$300.00} is money that is being held from me for reasons unheard of. The company also has an appalling hold message that should be considered as harassment as well as terrible customer service ; also harassment.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute the late payment history that is currently reflected on my credit report under the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX, and XXXX XXXX  XXXX account XXXX XXXXXXXX According to my records and my understanding of the Fair Credit Reporting Act ( FCRA ), late payment history should not be reported on this account. I kindly request that you investigate this matter and take the necessary steps to remove the late payment history from my credit report. 

XXXX, XXXX , & Equifax has violated my rights under 15 USC 1681 section 604 a section 2 which states a consumer reporting agency can not furnish an account without my written instructions and under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I am fully aware of my rights as a consumer under the FCRA, which mandates that information reported on my credit file must be accurate, verifiable, and complete. In accordance with the FCRA, I am entitled to request that any information I believe to be inaccurate, or incomplete be investigated and corrected promptly. 

The late payment history reported on these account is not consistent with the payment history that I have maintained. As a result, my credit score has been negatively affected, and I am experiencing difficulties in securing favorable credit terms. 

In light of the FCRA, I kindly request that you : Verify the method of reporting that these creditors are using to reflect late payments on these account sand ensure that it complies with FCRA guidelines. 

Investigate the accuracy of the late payment history in question. 
If the late payment history is found to be inaccurate or incomplete, please take the necessary steps to remove it from my credit report. 

Update the account status to " Pays as Agreed '' to accurately reflect my credit history! 

I understand that, under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute letter. During this time, I request that you place an appropriate notation on my credit report to indicate that this account is under dispute. 
Please provide a written response within the statutory 30-day period, detailing the results of your investigation and any actions taken to rectify the inaccuracies on my credit report. If you require any additional information from me to facilitate this process, please do not hesitate to contact me at the phone number or email address provided above. 

I appreciate your prompt attention to this matter and your commitment to upholding the Fair Credit Reporting Act. Your assistance in resolving this issue is crucial in ensuring the accuracy and fairness of my credit report. 

Thank you for your immediate attention to this dispute. I look forward to a timely resolution of this matter. 

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

called equifax spoke to rep cant get a copy online of my report and items are still reflecting on report in error
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One Bank USA for multiple violations of federal consumer protection laws.

Specifically, Capital One Bank USA has : Failed to Provide Validation Information : The agency has reported two closed collection accounts to consumer reporting agency without providing the required validation information as outlined in 12 CFR 1005.34 ( b ) ( 5 ).

Disregarded Dispute Rights : Despite my attempts to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), the agency has continued to report inaccurate information.

Engaged in Deceptive and Misleading Practices : The agency has used false, misleading, and deceptive means in its collection efforts, violating federal consumer protection laws.

Furnished Information Without Proper Authority : The agency has furnished information to consumer reporting agencies without complying with the disclosure requirements of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I have attached copies of the credit reports to substantiate my claims.

I request that the CFPB investigate these allegations and take appropriate action against Capital One Bank USA to ensure compliance with federal consumer protection laws. I also request that the agency be required to remove the information on my credit report and cease all further collection activities. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had an account with American Express Serve. 

On XX/XX/2018 I tried to log into my account and it said there was no account with that name. I called the company and it went to a recording stating I should receive an email with information on my account and that it was closed. I still get that recording if I call. 

The email says " During our recent review of your American Express Serve Account, we identified Account activity that we believe violates the terms of the Serve Consumer User Agreement. 
As a result of such activity, and pursuant to Section 15 ( d ) of the Serve Consumer User Agreement, your Account and your Account privileges have been permanently suspended. 
If you have any questions or would like to inquire further, you may write to us at the following address : Serve Customer Care XXXX. XXXX XXXX XXXX, GA XXXX Thanks, '' I immediately sent them a letter regular mail asking them for my balance of aprox {$2400.00} be sent to account address and any other information as to why they closed my account. I didn't get any response. I cant get through on the phone to anyone because they have a block on my number. 

On XX/XX/2018 I sent a certified letter " Dear Customer Care, You recently closed my account, more importantly I had a balance of aprox {$2400.00} and I havent received any information as to when or how I am supposed to get it from you. Please send a check immediately to my account address or send me information how to collect my money. It has been 11 days and I havent received anything in the mail with an explanation or the balance when you closed it. 
Please send any information on why my account was closed to the address below. 
Please send the balance of my account to '' I haven't got any reply. 

I don't have any idea of how I violated their terms and at this point I don't care how. I just want the balance of my account or information as to why they still have not sent me my money. It is right around {$2400.00} or more that they have kept for months with no explanation. 

I would like American Express to send me the balance of my account when they closed it.