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

On XX/XX/2023, I first attempted to create a account using the XXXX XXXX XXXX, but as I went through the process, I then encountered an error with the website saying I can not continue and to try again, so right afterwards, I proceeded to try again and this time I received a confirmation ( attached ) showing my promo code I applied ( the XXXX previously stated ) and everything was perfect so I thought. Today ( XXXX XXXX ) I login to the Truist app and see 2 accounts? I immediately call customer support at XXXX and speak to the first representative, XXXX XXXX I believe ), to explain the problem, and most importantly determine which account to close as well as make sure the promo code will still apply. After constantly having to reiterate my issue and XXXX not understanding my issue at hand, I asked to be transferred to a supervisor, but XXXX hung up the call. After calling back again at XXXX, I informed the representative of the issue at hand and AGAIN, a lack of understanding was definitely there, so I asked to be transferred to a supervisor again and got to a supervisor named XXXX XXXX After spending XXXX hour on hold, XXXX proceeded to tell me yes you have the promotion code applied to your account because you said you do. I asked if she sees it on her end and she said no. I then asked, why would Truist pay out my promotion if you guys dont even see it on your end and why do I have 2 accounts on my name. After telling me to hold, she proceeded to hang up the line. To recap, Ive called twice, encountered an issue with the website, and have been hung up twice by XXXX different representatives ( XXXX being a supervisor ). This is all while being a first time potential long term client of Truist.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted Aspire to inform them of a change of bank payment that needed to go in effect for the next payment. The next payment was due on XX/XX/XXXX. Aspire attempted to use the old account charged me a {$29.00} fee. I contacted Aspire on XX/XX/XXXX regarding the reminder of the change of account. After frustration, I manually paid the account. On XX/XX/XXXX I checked my score which dropped 50 points because they reported a late on my report. I contacted Aspire and they apologized and said the late would be removed due to the error on THEIR PART within 5 days. They also agreed to remove the late fee of {$40.00} and offered me a gift card for THEIR ERROR! 

I have included a screenshot of the account as well. XXXXASPIRE # XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX # XXXX Account Name : XXXX, XXXX & XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reinserting deleted accounts on my credit report from XXXX XXXX XXXX. All XXXX XXXX XXXX accounts were deleted by Experian. Experian was unable to verify these accounts. XXXX XXXX XXXX has resurfaced on my credit report after it has been deleted without a 5 day notice which is a violation of the FCRA these are the same accounts, same amounts owed. These accounts were deleted more than once from my credit report and now they are reinserted without my knowledge again. Experian is required under the FCRA to have properly verified the accuracy of these accounts if they have verified as required and requested why are they being reinserted? 
This is fraudulent and unlawful. As this collection agency and Experian appears to have resuscitated a confirmed deleted account on my credit report. I have continuously disputed this with Experian and they have only added a comment to my credit file saying that the consumer disputes this account. That is not acceptable!! I demand to have these fraudulent accounts removed from my credit file.
Product: Mortgage

My loan was financed by XXXX XXXX XXXX XXXX and the company registered a deed with the XXXX XXXX registry. When XXXX sold the loan ( if they did XXXX, to XXXX XXXX XXXX, XXXX never registered the deed for transfer.
Product: Credit reporting or other personal consumer reports

I am writing to provide an update on my ongoing efforts to correct late open account and remove charge off entries from my credit report. 
Despite numerous attempts, these inaccuracies persist, and I am seeking further assistance to resolve this matter. I have diligently pursued the correction of late open account and the removal of charge off entries on my credit report. I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address these issues. However, to my disappointment, the inaccuracies remain on my credit report, negatively impacting my creditworthiness and financial standing. This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly addressed to ensure the fair and accurate reporting of my credit history. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. With this, I am asking for your assistance to correct or remove the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

all credit agencies reporting past 7yrs outdated since 2006 and not my accounts ... remove all from credit files asap .... '' cap XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX
Product: Credit card or prepaid card

I am writing to file a complaint regarding the closure of my credit card account without adequate reasons. I strongly believe that the reason for the closure appears to be discriminatory and XXXX. 

On XX/XX/2023, I received a notification stating that my credit card account with Bank of America had been closed. However, the notification did not provide any clear reason for the closure except the fact that they noticed unsatisfactory performance on personal card. No details of what the issue is and what was the unsatisfactory performance has been provided. The letter from the bank for closing my personal card account states that Irregular authorized user activity which does not provide any insights on what the irregular activity is. The bank at its sole discretion closed all my account without giving any chance of being heard. I called customer service to inquire about the reason, but the representative was unable to provide me with any explanation. 

I have been a loyal customer of Bank of America for many years and have always made timely payments on my credit card. Therefore, I am shocked and dismayed by the sudden closure of my account without any explanation. 

Furthermore, I can not help but feel that the closure was based on discriminatory and XXXX motives. As an XXXX american, I have often faced discrimination and prejudice in various aspects of my life. I strongly believe that the closure of my credit card account is another instance of such discrimination. 

I request that Bank of America provide me with a clear and valid reason for the closure of my account with sufficient details. Also, what is basis of closure of the account like a policy or document that I signed informing me that I can not have authorised signatory on my account? Additionally, I demand that Bank of America address any discriminatory practices within their organization and take appropriate action to prevent such incidents from happening in the future. 

I hope that this matter will be addressed in a timely and appropriate manner. Thank you for your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed Items to be blocked and deleted company information from TransUnion. 

Please delete the following Items XXXX XXXXXXXX BALANCED {$790.00} XXXX XXXXXXXX BALANCED {$2200.00} XXXX XXXX XXXX XXXX BALANCED {$33000.00} XXXX XXXX BALANCED {$3600.00} XXXX XXXX XXXXXXXX BALANCED {$16000.00} XXXX XXXX XXXXXXXX BALANCED {$11000.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$810.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance keeps reporting my accounts wrong. I havent made a payment since XXXX of 2017. But they say i am only 120 days late. My accounts should not be in my current revolving history. They should be in my derogatory closed sccounts. The XXXX  should be removed. Its beyond XXXX yrs.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi i been trying to work with Transunion for over a year now to have the poof that the information on a   XXXX   XXXX   account  XXXX  and  XXXX  bankruptcy,  s  chapter  XXXX  #  XXXX  chapter  XXXX  #  XXXX  are not mine and they have refused to show proof and all they have sent back to me is verified i have tryed to tell them that the accounts they have on file do not belong to myself and they will not take care of the issues so this is a complaint to please show the proof of this these accounts if you cant provide me the proof they need to be removed because one again they Do Not Belong To Myself the law states that if you can not show proof they must be removed from the report thank you
Product: Debt collection

My complaint is with Midland Funding, LLC., and XXXX , XXXX & XXXX Law Firm. In XXXX 2010 Midland Funding LLC., filed a judgment against me ( case # XXXX ). The debt was paid in full ( I have documentation ) to XXXX, XXXX & XXXX in XXXX, 2010. To date, the judgment still shows open on my county 's Clerk of Courts website. I 've requested XXXX XXXX ( Attorney of record ) for this debt to please forward documentation to Midland Funding , LLC of the satisfied debt. To date, Midland Funding LLC., states they have not received documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a freeze put on my Equifax credit report and I've been trying to take the freeze off so I could open a bank account with XXXX  XXXX XXXX. 
They put my application through " the bank '' about eight or nine times and it still wasn't unfrozen. I unfroze it online like they asked me to do ( the people at Equifax ) and it still didn't work. 
I'm just wondering why I can't get them to unfreeze my credit report so the bank can look at my credit and give me a new account. This is very frustrating to me personally.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX DISCOVER BANK XX/XX/22 RE : We have already disputed these accounts.
Product: Credit card or prepaid card

XXXX XXXX XXXX is reporting high incorrect balance, they are refusing to allow me to close my account, even though I have paid them in full. They are adding more fees and keeping my account open even though I paid them in full. They are breaking the law and affecting my credit report and reporting false information to keep my account open. I do not owe them money period. I paid these accounts off in good standing.
Product: Debt collection

XXXXEQUIUM ASSET SOLUTIONS LLC is reporting a wrongful erroneous collection on my report that is NOT mine .... SEQUIUM ASSET SOLUTI Account number XXXX Original creditor XXXX XXXX sold - Account type Collection Account Date opened XX/XX/2021 Account status - Payment status Unpaid Status updated XX/XX/2021 Balance {$440.00} Balance updated - Paid off 0 % My numerous attempts to resolve this issue with Sequium went either ignored, or they start calling me for collections harassing at work, home and relatives. However when I tried to pay to get this over with they told me they do Not have this account and I have to call XXXX but have no number or account for me to call, AND they keep reporting this account on my credit report. When I dispute this with the bureau, the process of harassing calls starts again ... this is rediculous and illegal!
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, my family was planning a trip to XXXX, CA to spend our XXXX holiday weekend. We were planning to book the reservations through XXXX. The host suggested that we send her the payments through XXXX rather than through the XXXX application. The first installment was for {$800.00} sent on XX/XX/year>. The second installment due of {$1300.00} was sent on XXXX due prior to arrival at the property. When we had arrived at the property, the property was clearly occupied with dirty laundry, dishes and electronics scattered throughout property. When I reached out to the host, she shared with me that her and her husband we getting a divorce and that we would need to recooperate the money from him. When we spoke to the husband, he shared with me that he has no idea her plans of renting out the property. We immediately notified the XXXX XXXX XXXX XXXX and a police report was filed with case # XXXX by XXXX XXXX. The XXXX XXXX XXXX police informed us that they were fully aware of the couple and have performed similar activies with others. I filed a fraudulate activity case with Wells Fargo and followed up every month for the first 5 months with no updates provided by Wells Fargo. 

The second fradulant transaction was on XXXX, I had accidentally transferred {$150.00} to a wrong number. The payment was intended for my mobile car wash but had accidently sent to an incorrect number. Again, the same response from Wells Fargo that since the transfer was with a 3rd party-XXXX that they are not able to assist. 

I'm confused if XXXX is made of up the top 5 largest banks, why can't the financial institutions involved help put a stop to the criminal activity?
Product: Checking or savings account

On XX/XX/23 I noticed that the company ( XXXX XXXX XXXX ) whos taking out money on my account was a fake company. They somehow got ahold of my information and used my account number and routing number to withdraw XXXX transactions of {$380.00} = {$770.00}. I called Wells Fargo to submit a claim in regards to this fraudulent transactions and denied my claim due to the way the scammers took out my money. They informed me that from their end I was the one who took out the funds ; and they cant help me. They said to call the scammers back and try to get my money that way. So long story short scammers had my info, used it to take out funds but Wells Fargo wont refund the funds due to the way it was taken out of my account. Also theyve been putting holds on all my funds I deposit which is affecting me and my credit due to unable to access my funds
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Checking or savings account

On XX/XX/XXXX I made a large check deposit into my checking I have had with Wells Fargo for over 20 years. Initially {$400.00} of the deposit was made available, over night the entire deposit was put on hold for 10 days. This is a domestic check drawn on my deceased mother estate, I live in CT the bank is in MA. The check has already cleared the account, but I wont have the any of the funds available to me until XX/XX/XXXX. I believe this hold is is excessive and in violation of XXXX XXXX. Thank you.
Product: Credit card or prepaid card

I have applied for a Credit Limit Increase 9 times, since I have been a customer of Capital One. Every time I have been denied. I requested an increase and been denied, when my credit score has improved tremendously compared to my scores when I was originally approved. I have compared my situation with other personal friends, and feel that I am a victim of Credit Discrimination. I have called Customer Service and asked to speak to the Credit Department, and was told that was not possible. I spoke to a Senior Representative instead. Although the Representative did understand my frustration, I was still told that there was no way to talk to the department who handles this issue. I believe that my payment history warrants an overdue credit limit Increase, as well as my credit score.
Product: Credit card

I purchased a Body Camera from XXXX using my Capital One Visa Card. The camera was supposed to record video and download it to my computer. The camera was able to record but I spent many hours working with XXXX Technical Support and was not able to get the video to download to my computer. I even tried using a second computer, but it would not work either. I returned the camera to XXXX but they would not issue a refund because they said there was nothing wrong with their product/service. They said the camera worked fine with their computer and there must be something wrong with my computer. I did a dispute with Capital One, but they would not return the {$1000.00} because they say XXXX told them the returned camera was damaged. I thought that using my Capital One Credit Card would insure that I would be able to get my money back if the product I bought did not work right and I returned it. Capital One will not return the {$1000.00}. I was never able to get the camera to work and I returned it to XXXX Supervisor XXXX XXXX was the last person I spoke with at Capital One regarding this matter.
Product: Debt collection

I have my bank account statements that this has been paid in full. The last bill after insurance was to pay was XXXX and that was paid in full on XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union received my documents via USPS Certified mail with signature on XXXX requesting the deletion of 2 accounts. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX It is well beyond 45 days of any such investigation. 
Trans Union is in violation of : FCRA 611 [ 15 USC ss1681i ]
Product: Debt collection

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Balance : {$450.00} I paid this account in full without much contact from the bank or valuable assisted help.

Navy Federal Credit Union.

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Navy Federal Credit Union, has two accounts listed as my credit card. I only have owned one from the company, despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history.
Product: Debt collection

There are attachments with letters/statements/emails. They as threated that I would be arrested multiple times both by the original creditor and the debt collector. They advertised a credit card with auto pay, but if you weren't approved you got a debit card instead. They left that part up. I did not sign up for that. Statements look like a credit card. Say XXXX  department. Have a credit limit. Have a min. amount due.
Product: Credit reporting or other personal consumer reports

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 
Please remove these inquiries immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX