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

In XX/XX/2020 I lost my wallet and all of its contents inside of a bar in XXXX FL. I filed a police report and closed all of my accounts, I also had to replace my credit cards and state issued drivers license. Somehow my mobile was also hacked and passwords were breached. Ever since I have been dealing with identity theft. Under the Fair Credit Reporting act 15 usc 1681 furnishers must investigate disputes received from credit reporting agencies and shall correct them. At this time I am exercising my rights under the FCRA to have all fraudulent accounts listed blocked and deleted immediately.
Product: Credit reporting or other personal consumer reports

i sent XXXX, equifax, and XXXX letters XXXX, requesting the inaccurate and incomplete accounts that are reporting on my credit report. i have attach copies
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thank you
Product: Mortgage

I was on my XXXX  yesterday and saw an advertisement for a mortgage with an interest rate of 2 % with and apr stated of 2.14 %. I swiped on it and filled out information for a call back, only to be told that lowest rate possible would be 2.25 % and I would have to pay an extreme amount of fees to get that, which would make the apr way higher than 2.14 % bc that takes into account the fees spread over the life of the loan. This is not just false advertising, its deceptive practice and is against the law. Lending Tree is the parent company that it went through, but it was also under the name XXXX, XXXX XXXX XXXX, XXXX ... .... they all are click bait for lending tree to sell my information to a local lender, who, has no clue what they are advertising and aren't able to deliver. This violates the advertising rules and is exactly what the laws were designed to stop.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 

However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Vehicle loan or lease

I co-signed for an auto loan through Toyota Financial Services. On XX/XX/year>, I received a notice in the mail that I had until XX/XX/year> to cure the default on the account, as the primary borrower was late in making the payment. Prior to receiving this letter, I had received no other notices that the account was past due. No phone calls, no voicemails, no emails, no mailings. Upon receipt of this notice, I immediately scheduled the payment amount that would have cured the default status. The payment was posted on XX/XX/year>, however, Toyota Financial still reported to the credit bureaus that the account was past due. Subsequently, I initiated disputes with the credit bureaus, as well as directly with Toyota Financial Services. In my correspondence with Toyota Financial, I sent them a copy of notice to cure default, details on the payment that was made to cure the default, along with an explanation that there was a lack of adequate notification to me to resolve the default, despite them having all of my contact information, including email address and phone number. I requested that they remove the late payment from my credit report, however, they responded that I did not provide sufficient information.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

The credit card account ending XXXX with XXXX XXXX XXXX XXXX is the subject matter of this complaint. This account was opened around XX/XX/XXXX Made the regular payments and the account was in good standing until the last payment made on XX/XX/XXXX. I moved to a temporary residence of XX/XX/XXXX. I tried to negotiate the past due balance but the account was charged off three months later ( XX/XX/XXXX ) and no payments can be accepted since the account was referred to a debt collection. On XX/XX/XXXX, I received a communication letter from a debt collector. On XX/XX/XXXX I sent a validation to XXXX XXXX XXXX. I did not received any respond from XXXX XXXX XXXX. The debt collector sent an account statement stating that this meet the requirements of debt validation as per FDCPA 15 USC subsection 1692g. XXXX XXXX XXXX did not meet the requirement of validating such disputing debt. No affidavits or any statements made by XXXX XXXX XXXX any validity of the disputed debt. No response from my lawful inquiries whether XXXX XXXX XXXX still have the legal right to collect any obligation to pay on my part of such charged off account as bad debt reported to IRS or if the account has been sold or transferred to a debt collector. On XX/XX/XXXX the debt collector sent me a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COST prior XXXX XXXX XXXX lawfully and legally validating such debt. At present the debt collector filed a lawsuit against the consumer reporting the XXXX XXXX XXXX IS THE PLAINTIFF. If that 's the case I am demanding XXXX XXXX XXXX XXXXo provide a sworn affidavit that in fact they are suing me ( the consumer ) of the subject alleged debt. And also provide ME the name of the debt collector XXXX XXXX XXXX that representing them as the PLAINTIFF.
Product: Credit card

I am writing to file a complaint regarding the mishandling of my security deposit refund by First Progress Credit Card. I had a secured credit card account with First Progress for approximately XXXX years, secured by a {$4000.00} deposit. I recently decided to close the account as it had a {$0.00} balance, and the closure was initiated in accordance with the bank 's procedures. 

When I closed the account, I was informed by First Progress that my {$4000.00} security deposit would be refunded to me via a mailed check within XXXX weeks. Over this XXXX period, I contacted First Progress twice to check the status of the refund and was reassured on both occasions that the check would be issued within the stated timeframe. 

However, today, XX/XX/XXXX, XXXX final day of the XXXX XXXX called to follow up as I had not received the check. I was then informed that the check had not even been issued yet. Instead, I was told that a new request for the refund check would be submitted and that it could take an additional 45 days to process. 

This delay is unacceptable, and the inconsistent information provided by First Progress has caused unnecessary frustration and inconvenience. The funds secured in the account are my property, and I expected a timely refund as per the timeframe communicated by their representatives. 

I respectfully request the CFPB 's assistance in resolving this issue and ensuring that First Progress expedites the processing and issuance of my security deposit refund without further delay. Furthermore, I believe it is necessary to investigate the banks practices regarding the timely return of security deposits to prevent similar issues for other consumers. 

Please let me know if you require additional details or documentation regarding this matter. Thank you for your time and attention to my complaint.
Product: Credit reporting or other personal consumer reports

I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per XXXX U.S.C XXXX Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to XXXX XXXX XXXX XXXX ( XXXX XXXX ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 
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 or other personal consumer reports

XXXX XXXX XXXX I previously disputed this account with XXXX XXXX Equifax and XXXX on XX/XX/23 stating : " The current payment status of XXXX Delinq is incorrect because the balance due on this account is {$0.00}. ". I don't agree with the results of your investigation. The agency verified account but failed to send me proof of information. I would like this account to be deleted as soon as possible. This inaccuracy is hurting my score and my ability to be approved by a lender. Balance can not be 0 and 150 days past due. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information submitted in the files with Equifax asap. checking this information everything Is inaccurate. please delete an remove the data listed.
Product: Checking or savings account

To this date, TD bank has been able to accrue over {$600.00} in over draft fee 's. However, the explanations are confusing and don't make any sense. I have direct deposit and I make deposits but I still get fees.. 
The bank does not explain how this system really works. I get answer 's such as " Maybe sometimes ..It 's supposed to. '' or " Depends on what they do in the back '' or " You pay us to use our money ''. 
My initial understanding was that if you overdraw your account and put money in the account by the end of the business day, you will not be charged. I am always charged. 
The app is misleading because it does NOT give you your balances in real time as they say it does. The ATM machine directly outside the bank does not give you cut off times for deposits. 
My direct deposit comes in and I get fee 's for that day as well.
Product: Debt collection

I have sent XXXX letters on XX/XX/2016 ad XX/XX/2016 to XXXX and AFNI asking for signed contract or document stating validation that I owe this debit. As of today, I have not received such documents. Please remove entries from all my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and saw that the XXXX account was dropped off in XX/XX/XXXX and I noticed that you reinserted it back on my credit profile in XXXX XXXX. I know it is against the law to re-age the account and I expect it removed now.
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau has failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Report : XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

On XX/XX/2022 I disputed a charge on my chime credit card. 
On XX/XX/2022 Chime closed all of my accounts. 
On XX/XX/2022 I received an email from the chime dispute team notifying me that there was a billing error and that {$1600.00} was refunded into my account. However, said account is closed and Ive been calling and emailing daily to see where the money is, I am not receiving answers.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The week of XX/XX/XXXX - my sister placed me on her XXXX XXXX card as an authorized user. XX/XX/XXXX - my Lender pulled my credit reports from all three bureaus however, the card was not showing up on Experian so my Lender asked me to give Experian a call. It was like trying to get into the White House uninvited. The recorded messages kept sending XXXX in circles as well as when I finally spoke with someone they mentioned that they had to do an escalation as they were not seeing the new card for XXXX XXXX ( XXXX addition ) they only saw an old reported card ( XXXX ). Experian told me that it would take 3-5 business days and it has been over 14 days and I still have not received a phone call, email nor a letter in the mail advising me of the outcome to my submitted escalation. 

This horrible because it has prolonged the closing of my home loan which in turn I may lose the house that I currently have an offer on. 

The Sellers are not willing to wait any longer. 

My sister and I both have call several times to ask why Experian was not reporting and they can not provide a concise answer. My sister as called XXXX XXXX her credit card company as well and all they can tell her is that they report to all three credit bureaus. 

I understand COVID-19 has affected businesses and their staff personnel, but if one is a national credit reporting company they should have persons manning their phones during normal business hours. 

Not only does it feel like I wasted so much time going in circles I may not be able to close on my house. I am furious.
Product: Credit reporting or other personal consumer reports

My concerns arise from discrepancies between the information reported and my knowledge

of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. I do not recall opening or transacting with the entity associated with this account. Also Possible Fraud Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent
Product: Credit reporting or other personal consumer reports

CREDIT CARD XXXX XXXX XXXX AUTHORIZED USER LATE PAYMENT Balance {$1600.00} Balance updated XX/XX/XXXX XXXX XXXX BANK Balance - Balance updated XX/XX/XXXX XXXX BANK AUTHORIZED USER LATE PAYMENT Balance - Balance updated XX/XX/XXXX AMERICAN HERITAGE FE POTENTIALLY NEGATIVE Balance {$4000.00} Balance updated XX/XX/XXXX AMERICAN HERITAGE FE POTENTIALLY NEGATIVE Balance {$14000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  XXXX LATE PAYMENT Balance {$2000.00} Balance updated XX/XX/XXXX XXXX BANK Balance {$0.00} Balance updated XX/XX/XXXX XXXX  XXXX XXXX {$0.00} Balance updated XX/XX/XXXX XXXX  XXXX BANK Balance {$0.00} Balance updated XX/XX/XXXX XXXX  XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX  LATE PAYMENT Balance - Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  XXXX {$0.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX POTENTIALLY NEGATIVE Balance {$1400.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 2025
Product: Credit reporting or other personal consumer reports

So I have called TransUnion. XXXX. And. XXXX. I tried to update my information calling them. But they deny me all my stuff. I sent them letters. Certified. They have them in their system. They say they're going to update my stuff, I dont remember the days that I have called but it's been almost three months so now I need looking for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a payment confirmation receipt from a debt collector, yet Experian Rent Bureau refuses to remove the paid balance from my Rent Bureau report. This is the case even though I successfully disputed and was able to remove the collection from my standard credit report. Because of this, I lost money on an apartment application, and had extreme difficulty securing housing for myself and my family. 

Also, the debt collector involved, XXXX XXXX, whom I am also filing a complaint against is not licensed to collect debt in New Jersey, the state where the debt originated. They are also not licensed in my state of employment, New York, nor are they licensed in South Carolina, my current state of residence. This is according to XXXX.
Product: Bank account or service

Wells Fargo Bank charged XXXX insufficient fee on a checking account when money was in the account to cover the XXXX transaction. At the end of the day customers account was in the positive and was thrown into the negative with a transaction that posted the night at close. They also received a deposit on the XX/XX/2015, allowed customer access to it the money which kept account positive. Then stated that there was not money in the account.
Product: Credit reporting or other personal consumer reports

This is my XXXX 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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX Balance Owed : {$180.00}
Product: Credit card or prepaid card

I made travel reservation with XXXX on XX/XX/XXXX and paid {$450.00} with a American Express Serve Card. Later I cancelled the travel reservation in accordance with XXXX and the travel agency policies. XXXX sent an email confirming the cancellation on XX/XX/XXXX. However, the account with American Express Serve shows the {$450.00} " on hold '', which is basically an administrative block preventing the company from releasing the funds. On XX/XX/XXXX I called the customer service center and spoke with both an agent and a supervisor who stated it was up to the merchant to refund the money. I rebutted that the merchant had already sent back the money to American Express Serve and that XXXX had emailed its itinerary showing the cancellation. However, neither the agent nor the supervisor provided a correspondence address or fax number to send any documents to settle the matter. The customer service agents and supervisor claimed the money would return to the card and that American Express Serve would release the hold " on or before XX/XX/XXXX ''. I called the customer service number again on XX/XX/XXXX because I didn't see the money in the account and was disappointed that American Express Serve did not follow through on its claim. I spoke with another customer service and stated the company still hadn't released its hold and the money was not in the account. This agent who claimed again the money would appear in the account by XXXX XXXX  EDT which is XXXX XXXX local time for me. I waited and waited but the company did not return the money. Suffice it to say, American Express Serve took the money with zero intentions of returning it to the account. The company does not adhere to its own policy of refunding money within the 8 day period.
Product: Credit reporting or other personal consumer reports

Previous attempts to address theft through Retail ACH by Am Ex, CFPB # 's XXXX XXXX XXXX, have been unsuccessful, Am Ex has begun to fraudulently report the erroneous facts of their internal investigation. Am Ex continues to withhold my funds, reporting facts that they themselves have investigated and know to be false.