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

On XX/XX/XXXX, I opened a saving and a checking account in Citibank. On XX/XX/XXXX, I received the card, so I downloaded the App and deposited two checks, one for {$1400.00} ( # XXXX ) and the other for {$550.00} ( # XXXX ). After I made the deposited the bank decided to close my account without any warning. 

I kept calling and they stated that I needed to contact the person who made the checks to re-issue the checks. I asked them to send a letter where they stated that the checks were not good to show. And they said that they can't do that. 

After that, I tried to deposit the checks in another bank ( I deposit the checks through the app ) since Citibank said that the checks were not good. The bank stated that those checks were cashed already. So, I called Citibank and they say to provide the phone number of the company, which I did. to release the funds. If the checks were bad as they stated, why they said : " to release the funds ''. And they said that no one was picking up the phone. 

They also took {$100.00} from my savings account. 

I call almost every day, and no one can give a real answer why they can't return my money.
Product: Bank account or service

I am a customer of Regions bank with a checking account. A few months ago someone or persons have been using my debit card through XXXX XXXX times in excess of XXXX dollars. I have never taken an XXXX ride nor have ever used XXXX nor have I ever given authorization for anyone to use my card, ever. I reported to Regions, XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX XXXX XXXX. 

Regions Bank told me that it was my fault and that I gave authorization for reoccurring charges to be allowed on my account. That is not true one bit. 

The fraud started in XXXX through XXXX. Regions will credit be back a small fraction of the charges but insults me with the lame investigation that somehow determined I was complicit and allowed my card to be used. NONSENSE, I asked for the proof of the investigation just today and the fraud department told me " there is nothing we can do ... I just told you the results ... what else do you what. '' Please help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$5400.00} ; 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 XX/XX/XXXX ; LA XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 business days after the date of receipt.
Product: Debt collection

I have an account from national credit systems that was originally for XXXX dollars for a broken lease for apartments. I resided in the apartment homes for one month and moved due to the environment, at this time I had gotten a phone call from national credit systems around XX/XX/2010 saying I had been sued and owed them XXXX dollars. I disputed this account on this basis that I never received notification prior to it reporting to my credit as well as that the balance was inaccurate, I requested at this time a debt validation within 30 days which was never received, at this point I requested the account to be removed from my credit report. It was not. I have disputed this account on 9 separate occasions throughout the years following and continue to get a response from the credit bureaus stating " national credit systems has validated this account with OUR company '' I have never received a debt validation from this company and I have all accurate up to date information for correspondence on my credit report. This is in violation of the fair credit reporting act to not send debt validations and say the account is validated. My last dispute was about 30 days ago on the basis that the company violated the law stating that a landlord must seek a new tenant when previous tenant breaches a contract and terminates lease before completion. This community charged me for the remainder of the lease and never made reasonable attempts to re-sell the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX card services refuses to submit an " electronic request to remove inquiry '' from my credit report. They keep telling me they are still investigating this matter. I spoke to a supervisor XX/XX/XXXX and she assured me they will alert the credit agency that the inquiry was fraud so that the inquiry would taken off. Well it's now XX/XX/XXXX and the inquiry is still there and my credit score has gone down 14 points due to this.
Product: Mortgage

I have been sending in checks every month. No return. Just recently got a letter showing inovice showing nothing taken off. Sent check paying all fees on statment by certified letter. Got check back requiring certified funds. Sent complaint letter with certified checks attached to old that was sent certified mail. This imcluded current month as well now. Declined wanting lawyer fees following first check i sent certified. XXXX hr time zone and i cant get XXXX on phone. Reps text her as well. Site i get errors opening statments and cant email. I habe pictires and recodings with errors. Trying to make every effort to figure out why i cant view online and where everything is going and why i cant pay when i can prove funds have been there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo reported a credit card to my credit bureau account. After contacting Wells Fargo they assured me this account would be removed from my credit report. In a letter from Wells Fargo dated XX/XX/2020 they assertion the account will be removed from my credit report within 30 days. This account remains on my credit report to this day. I have disputed it and still it remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a late payment to Tammac holding corporation what happen is the payment was late and they put it on my credit report as a Delinquent. How can they say it was Delinquent When they were paid. I dont understand this because they receive there payment. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York My email is XXXX Thank you
Product: Credit reporting or other personal consumer reports

My report is showing multiple names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Debt Validation Request Dear XXXX XXXX I am contacting you regarding a debt you claim I owe. According to the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ), I formally request validation of the alleged debt before I consider any further action.

Please provide written verification of the following : 1. Details of the Debt : o The name and address of the original creditor.

o The account number associated with the alleged debt.

o A full breakdown of the amount you claim I owe, including principal, interest, fees, and any additional charges.

2. Proof of Debt Ownership : o Copies of documents that establish my responsibility for this debt, including any signed agreements or contracts.

o Proof that you have the legal authority to collect this debt, including documentation of ownership or assignment.

3. Debt Collection Authority : o Your agencys license details for debt collection in my state ( if applicable ).

Until you provide the above information, I will not acknowledge responsibility for this debt. Please note that under the FDCPA, you are required to cease all collection efforts, including reporting this debt to credit bureaus, until proper validation is provided.

If you can not validate the debt, I request that you cease all communication with me as per my rights under federal and state law.

Please provide the requested information within 30 days of receiving this letter. Any further correspondence should be sent in writing to the address listed above.

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

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX Account XXXX Inaccuracies and XXXX XXXX. Account Balance and High Credit Conflict : o Balance : {$5600.00} o High Credit : {$5600.00} o XXXX XXXX : {$4200.00} o The high credit matches the balance, but both exceed the credit limit, raising a red flag for verification. 
XXXX. Discrepancy in " Last Reported '' Dates : o XXXX : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX o Future reporting dates violate the FCRA 's accuracy requirements. 
XXXX. Conflicting Comments : o XXXX : " Dispute resolved ; customer disagrees. '' o Experian : " Subscriber reports dispute resolved - consumer disagrees. '' o XXXX : " Consumer disputes after resolution ; charged off account. '' o The comments indicate unresolved disputes despite being marked as " resolved, '' leading to inconsistent reporting. 
XXXX. Date Last Active and Date of Last Payment Issues : o Date Last Active : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX o Date of Last Payment : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Experian : Missing information. 
XXXX. Payment Status Conflicts : o All three bureaus list " Collection/Chargeoff, '' but the payment history shows inconsistent " CO '' and " OK '' marks, especially for XXXX, XXXX there is a mix of " OK '' and " XXXX '' XXXX. Two-Year Payment History : o The payment history shows " OK '' statuses in some months even after the account is listed as charged off, leading to reporting contradictions.
Product: Checking or savings account

Today, I logged into my corporate account at Bank of America and I get a message that my account is " restricted. '' I called the phone number listed, and then was transferred 3 times. After 2hours, the call was disconnected. When I tried again, the business was closed. 

I never received any call or notice from B of A warning before them restricting my account. There is no fraud. The deposits are made by clients. 

I have checks with this account number and it is tied to several accounts. I can not have it closed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXormal Complaint Regarding Capital One Violation of Consumer Protection Laws Dear Sir/Madam, I am writing to formally lodge a complaint against Capital One located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX for actions that I believe violate several federal consumer protection laws. The specific issues are as follows : 1. Fair Credit Billing Act ( FCBA ) Violation On XX/XX/XXXX, I noticed an account statement dated XX/XX/XXXX. Despite my timely written dispute sent to Capital One on XX/XX/XXXX, I have not received a response within the 30-day period mandated by the FCBA. This lack of response constitutes a violation of the FCBA, which requires creditors to acknowledge receipt of a billing error notice within 30 days and resolve the dispute within two billing cycles. 

XXXX. Fair Debt Collection Practices Act ( FDCPA ) Violation Subsequent to the disputed charge, I received multiple collection calls from Capital One, acting on behalf of Capital One. These calls were made before the 30-day validation period had elapsed, thereby violating the FDCPA, which prohibits debt collectors from contacting consumers before the validation period ends. 

XXXX. Fair Credit Reporting Act ( FCRA ) Violation Despite the ongoing dispute, Capital One reported the disputed charge as delinquent to the credit bureaus, adversely affecting my credit score. Under the FCRA, a creditor must mark an account as disputed when a consumer disputes the information, and they are prohibited from reporting information they know is inaccurate. 

XXXX. Truth in Lending Act ( TILA ) Violation The billing statement from Capital One failed to provide clear and conspicuous disclosure of the disputed charge, including the date and amount of the charge, as required by TILA. This lack of transparency impedes my ability to understand the terms and conditions of my credit account. 

I have attempted to resolve these issues directly with Capital One through attempts, e.g., phone calls, emails, and written correspondence, but have not received a satisfactory response. I respectfully request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to ensure compliance with federal consumer protection laws. 



Thank you for your attention to this matter. I look forward to your prompt response. 

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

i filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and i haven't received any investigations results
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened a dispute with TransUnion and subsequently mailed supporting documentation that I had autopay on a loan with XXXX XXXX. XXXX XXXX failed to withdraw the amount and reported me as being 30 days delinquent. I then paid off the loan and XXXX XXXX never corrected the issue that I was tagged as being 30 days late that month because of them. TransUnion agreed with XXXX XXXX, contending they didn't receive my documentation. TransUnion refuses to fix my report despite having proof that XXXX XXXX acknowledged autopay was in place. I have contacted XXXX XXXX to resolve this issue and they initially said just to open a dispute with TransUnion. Since XXXX continually reports their mistake as " accurate '', they provided an email address for assistance with the issue. In short, TransUnion takes their word over evidence to the contrary. I opted to partake in the autopay program specifically to avoid such " we didn't receive your check in time '' claims.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the inquiries which were being posted to my report. Here is the list of inquiries which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian on XXXX XXXX to have my consumer file mailed to me. I could not get a rep on the phone to have the consumer file mailed to me nor was there an option to choose consumer file on the automated system. 15 USC 1681g states that every consumer reporting agency shall, upon request, clearly and accurately disclose to the consumer all information in the consumers file at the time of request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavors 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 ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX WY XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A late payment reported to the reporting agency and I never pay my cards late I noticed a drop in credit score so it made me do research into whats going on I found the acc with XXXX XXXX that I dont use that is not mine that I did not authorize acc number XXXX and a host of credit inquires that are not mine and I did not apply for XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not use credit cards a lot nor do I check my credit report I have also made a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting a complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX  XX/XX/2021. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried many times to get Experian to fix these two accounts that were Fraudulently opened in my name. I have had a fraud alert on my credit account for some time now, and neither XXXX XXXX or XXXX XXXX  followed the Fraud alert on my credit reports asking to speak to me before opening any new accounts, and now Experian is allowing them to report these bad accounts on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : not my name XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$22.00} XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Account charged off. {$19000.00} written off. {$19000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$1500.00} XXXX Account charged off. $
Product: Credit reporting

To Whom It May Concern Please be advised that this is my THIRD WRITTEN REQUEST about Transunion reporting inaccurately on my credit report as under the FCRA 15 U.S.C. 1681i whereby all unverified accounts must be promptly deleted. In the event that they are unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed below within 30 DAYS NOT 60 DAYS of receipt of my first or or my second letter then you must remove these accounts from my credit report. 
The fact that Transunion has ignored my request to send me copies of the documents that were used to verify the disputed accounts within the time stated by law of 30 days, is evidence that they can not and did not verify any of the disputed accounts like they said they did. Transunion 's failure to delete the disputed accounts shows within the days allocated by the Federal Law also reveals that they can not verify anything, even after two written requests and also evidence of their willful disregard of Federal Law. 
Finally, please be advised that this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding their continued willful and negligent noncompliance.
Product: Debt collection

Owed XXXX for last month bill. ERC reported to to and I paid that balance in XXXX on XX/XX/XXXX. ERC continued to call and attempt to collect, leaving debt collection mark on my credit. I called and they confirmed it was paid and I owe a XXXX balance. They provided a second receipt when I called to dispute the incorrect reflection on my credit report on XX/XX/XXXX. Company still has not removed debt from my report and still shows it as me owing. I would like the debt removed from my report as promised.