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

I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges. Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX,
Product: Checking or savings account

Robinhood froze my account yesterday, right after I put all of my money in it. It said to upload my ID and take a selfie, so I didn't. Now it says that I have to get a call from support to unfreeze my account. I have waited close to a full 24 hours, and they will not reach out. I'm just locked out of my funds, and there's NOTHING I can do except wait for them to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit card or prepaid card

On XXXX XX/XX/2022, I instructed Upgrade Inc ( XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX, AZ XXXX ) to close XXXX lines of credit I had with this lender. Upgrade Inc indicated that it would take up to 10 business days for their " back-end servicer '' to close the accounts. More than 10 business days later ( XXXX XX/XX/2022 ), the accounts have yet to be closed and Upgrade Inc will not provide any updates or further information regarding the status of these accounts or my previous instructions to close them. The delay/refusal to close my credit accounts is exposing me to personal risk in the event that my card information is stolen and used fraudulently : I would ultimately have to plea my case that any fraudulent transactions were in fact unauthorized/fraudulent, which would cost me time and possibly money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my credit score because my score dropped 30 points in one month with no explanation. After the dispute it dropped another 30 points. I'm utilizing less than 10 % of my available credit and make on time payments for the past 5 years with an exception when I was in the military. Why is an incident from so long ago causing my current score fluctuate so much now.
Product: Debt collection

I received a letter dated XX/XX/2020 from Creditors Discount & Audit Co. ( Account XXXX ) referencing an alleged debt owed to XXXX XXXX XXXX who they purported to represent. Because I had never heard of or done business with Creditors Discount & Audit Co. or the company they claimed to represent I became very suspicious. I immediately requested a number of documents to verify and validate the debt which I have attached and was sent certified mail # XXXX. The validation was received and signed for by their company on XX/XX/2020 by XXXX. At minimum I expected the following 3 requested documents : A verification of the consumer debt that includes a statement of account that : ( i ) itemizes the interest, charges and fees claimed to be owed prior to the charge-off, the original charge-off balance, and the principal balance, if different from the charge-off balance ; ( ii ) itemizes any interest, charges or fees claimed to be owed after the charge-off balance ; and ( iii ) identifies and describes the basis of the alleged debtor 's obligation to pay. 

A certified assignment agreement between XXXX XXXX XXXX and Creditors Discount & Audit Co. the alleged original creditor. 

A certified purchase agreement and receipt for the purchase of the referenced alleged debt between XXXX XXXX XXXX and Creditors Discount & Audit Co. the alleged original creditor. ( if applicable ) I asked for many of the documents suggested by the sample letter on the Consumer Financial Protection Bureaus website. Creditors Discount & Audit Co. totally ignored the Federal Laws in place to protect consumers against deceptive collection practices. To date I have received nothing in the form of verification or validation and to add insult to injury this account was added to my XXXX  and XXXX  consumer credit report negatively affecting my creditworthiness by drastically dropping my credit score and preventing me from being able to qualify for a real estate purchase.
Product: Credit reporting or other personal consumer reports

Hello Sir/ Madam, I have a car loan with XXXX XXXX XXXX XXXX . In XXXX, I noticed that my credit report showed me as negative XXXX to 60 days past due by XXXX. 

I was auto-enrolled with a monthly payment of {$390.00}, for which I have listed my XXXX XXXX checking account. There is a direct deposit of {$500.00} in my account every month. I only use my XXXX XXXX account for my car payment, which is payable to XXXX XXXX XXXX XXXX. In the month of XXXX, XXXX forced XXXX insurance on my account which I was not even aware of, and they were trying to take {$1000.00} out of my account as a monthly payment in the month of XXXX, XXXX, XX/XX/XXXX. 

When I cross-checked my XXXX XXXX account in XXXX ; there was no lapse in the deposit of {$500.00} every month, the money was still sitting in the account. When XXXX XXXX did the investigation, they informed me that instead of deducting {$390.00} from my account, XXXX was trying to deduct {$1000.00} from my account every month without my permission and authorization. XXXX was unable to deduct {$1000.00} from my account every month ; there could be a possibility that XXXX XXXX restricted the {$1000.00} payments that XXXX was trying to deduct without authorization. When I opened up my XXXX XXXX account, I specifically told the bank the reason which is for auto payment of {$390.00}, and the account will not be used for any other purpose. Maybe that is the reason when XXXX tried to deduct {$1000.00} out of my account every month without my authorization, XXXX XXXX restricted the payments. 

I have never been late on my payment since I purchased the car. 

When I called and checked with XXXX about the reason for reporting late payments, they told me they were trying to deduct {$1000.00} per month, as they have forced a XXXX insurance because for some reason, they thought I did not have insurance. 

I have to send consistent emails and involve my insurance provider regarding this matter. XXXX verified that I always had full coverage on my vehicle since I purchased it. 

When my Insurance provider sends them all the binders and proof of full coverage from the time in question Policy Number XXXX for policy dates XX/XX/XXXX - XX/XX/XXXX & XX/XX/XXXX - XX/XX/XXXX. 

XXXX finally removed the XXXX  insurance and adjusted my payment to {$390.00}. 

When I requested XXXX to remove negative reporting from all three credit bureaus because it was their fault, XXXX refused. 

Please help me remove adverse reporting from all 3 credit buereos. 

Vehicle Year : XXXX Make : XXXX XXXX Model : XXXX VIN : XXXX I am attaching my policy which clearly states that I had full insurance throughout the year XXXX and till XX/XX/XXXX and a screenshot of email which was send from XXXX to XXXX. 

Regards, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

To whom this may concern your company BANK OF AMERICA is violating my consumer rights, breaking the FDCPA and the FDCRA. Your company also is furnishing inaccurate and incorrect information to the consumer reporting agencies. The report of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes.

15 usc 1681 congressional finding and statement of purpose ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
15 usc 1681a ( 2 ) definition rules of construction 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The above law states that my consumer report does not consist of TRANSACTION OR EXPERIENCES between me the consumer and you the person making the report.

15 usc 1681 s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I HAVE CALLED SO MANY TIMES TO EXPERIAN XXXX AND XXXX OVER THE PAST SEVERAL MONTHS AND TO NO AVAIL HAVE THEY REMOVED NEGATIVE FRAUD ACCOUNTS ON MY CREDIT REPORTS. I HAVE BEEN A VICTIM OF IDENTITY THEFT AND HAVE ACCOUNTS THAT ARE NEGATIVE DUE TO FRAUD ACCOUNT TAKE OVER. WHICH OCCURED DURING THE COVID PERIOD WHEN I WAS SICK AND IN THE HOSPITAL. MY APARTMENT HAD BEEN BROKEN INTO. MY DISPUTES I HAVE MAILED ARE NOT BEING INVESTIGATED PROPERLY OR AT ALL. I AM UPLOADING MY FTC REPORT AND POLICE REPORT AND SOCIAL SECURITY CARD AND STATE ID. IM ALWAYS TOLD I NEED TO SEND THAT INFORMATION IN AND WHEN I DO THEY SAY THEY DIDNT RECEIVE IT OR ITS ALWAYS A PROBLEM OR THAT THE INFORMATION CAME BACK VERIFIED. THERE ARE ACCOUNTS ON MY CREDIT REPORT THAT IS OUTDATED I WAS TOLD BY MY BANKER. WHICH I HAD LONG AGO DISPUTED. PLEASE SEE ENCLOSED COPY. I HAVE CONTACTED XXXX XXXX XXXX XXXX SEVERAL TIMES REGARDING THIS AND THEY WILL NOT INVESTIGATE THE FRAUD ON MY ACCOUNTS AS WELL AS XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account.
Product: Debt collection

I disputed this account with Afni Inc. stating this is not my account and it was updated a valid on my credit reports. They did not provide any signed contract or anything else stating this account was mines. This company is in violation of the FCRA for verifying the account as valid with the credit bureaus without providing the proper evidence as requested. They are major discrepancies which this company is intentionally ignoring and the law is clear as to civil liability and remedies available to me ( section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursing litigation in the matter to enforce my rights under FCRA.
Product: Credit reporting or other personal consumer reports

Equifax Consumer Fraud Division XXXX XXXX XXXX XXXX, XXXX XXXX I have noticed that my consumer report contains information that is a result of identity theft. I did not provide any written permission or instructions for the transactions to report on my consumer report. Therefore, pursuant to 15 USC 1681c-2 ( a ), I am requesting that the reporting of this information be blocked and deleted. This request to block is not being made in error and is not based on any material misrepresentation of fact by me that is relevant to this request. The identified transactions are not information related to any transaction by me as the consumer : Account Name- XXXX Account # - XXXX, Reported Balance- {$590.00}, Reported Date Opened- XX/XX/2022
Product: Consumer Loan

My lease with Nissan ended XX/XX/2015. We turned in the vehicle as we were supposed to do. We were told that we would receive a statement within 6 weeks. We did not. My wife went online and paid the amount showing as owed for the disposition fee using their online payment system. A couple of weeks later, my wife noticed that the payment never went through. She tried to log back in but it said the account was closed. She then mailed the payment in to the address listed on their website. That was returned as undeliverable. At about the same time as the payment was returned, we received a letter from XXXX XXXX XXXX XXXX saying the account was placed with them for collection. I called Vital and was explained our attempts to pay, and was told to contact Nissan. I contacted Nissan ( NMAC ) and was told I had to have the payment in the next day or would appear on my credit. He said that he could not take a payment over the phone. I was told to log into my account and make the payment, which I did. The payment still shows as pending. The manager, XXXX, told me that it was due the day before, and that it may have been reported on my credit report. I explained everything that happened and that we had repeatedly tried to pay this off but due to NMAC 's problems the payment keeps being rejected. He said the payment should go through today or next Tuesday. I asked if it will appear on my credit report and he said it may, since it was due yesterday. I told him that if it does appear on my credit report, I will sue NMAC. He said that he would make a note of it in my record.
Product: Checking or savings account

Dear sir or madam, I opened a Fifth Third bank Essential checking account on XX/XX/1919. At that time, Fifth Third bank has a checking account promotion. 

{$250.00} Cash Bonus Offer To qualify for the {$250.00} checking bonus, provide the offer code, open a new Fifth Third XXXX, XXXX, XXXX, XXXX or XXXX XXXX XXXX XXXX XXXX ** checking account by XX/XX/19, reach a {$500.00} balance within 45 days, and maintain {$500.00} as a minimum daily balance thereafter for 60 days. 

The cash bonus will be deposited into your new checking account within 10 business days of completing qualifying activity requirements. 

I have maintained over {$500.00} in my account since XX/XX/19. On XX/XX/19. I have met XXXX XXXX XXXX of {$500.00} for 60 days. 

I am supposed to receive {$250.00} bonus within 10 business days, which is XX/XX/19. Until now, XX/XX/19, I still did not receive this bonus. I have contacted Fifth Third bank many times, but no solution. 

Could you please help me to solve this issue? 


Best regards XXXX XXXX
Product: Money transfer, virtual currency, or money service

We did a purchase to a Company XXXX XXXX XXXX, they provided to us the bank information. Supposedly the bank information they provided to us belong to that company name, but wasnt true. This account belongs to another person and not to a company. The company or person scam me and I dont know why the bank that this account belongs accepted the wire transfer if the Beneficiary name is different. 

Let me explain better. 

The bank information this company provided to us was : BENEFICIARYS BANK : CHASE BANK BENEFICIARYS BANK ADDRESS:XXXX XXXX XXXX XXXX XXXX, GA XXXX ABA ROUTING NUMBER TRANSIT NUMBER DOMESTIC WIRES : XXXX BENEFICIARYS ACCOUNT NUMBER : XXXX BENEFICIARYS COMPLETE NAME : XXXX XXXX BENEFICIARYS COMPLETE ADDRESS : XXXX XXXX XXXX XXXX ACCOUNT TYPE : Business checking We put this information in the wire transfer instructions. After that the company received the funds, they provided to me a fake tracking number.They didnt dispatched a product we paid for and never again answered my emails after that. 

That is why I investigated personally in the cashier, this account number doesnt belong to this company. Belongs to a person named XXXX XXXX. So, I dont understand why the Chase Bank accepted the wire transfer if the information on it werent correct. I have the wire transfer receipt and all the information that support this.
Product: Checking or savings account

PNC is manipulating payment transaction dates so that they can unfairly charge excessive overdraft fees to their customers. 

On XX/XX/2018, my account had a balance on {$21.00}, I used my debit card for a purchase amount of {$7.00} which would have brought my account balance to {$14.00}. On XX/XX/2018, XXXX XXXX extracted {$44.00} from my bank account which would have overdrawn the account as I thought the debit was coming out of my XXXX XXXX XXXX account and did not realize it was scheduled to pull from PNC. 

Once I realized the error, I deposited funds on the following business day to cover the transactions. 

The {$7.00} transaction did not post until the 7th and the {$44.00} transaction did not post until the 10th so funds were in my account at the time the transactions posted. 

When you review my account history the only transactions that overdrafted the account are he fees that PNC charged. 

However, PNC decided to manipulate the postings and reduced my available balance with the XXXX debit before the {$7.00} transaction which was from the XXXX  at XXXX XXXX  and charged me overdraft fees for both, when in reality, funds were available when both cleared, and the funds were available for the first transaction when it was pending and posted. 

I called PNC multiple times to try and come to a reasonable agreement for the excessive fees that were unfairly charged. Each time ended with me being hung up when I insisted on holding to speak with a supervisor. 

PNCs website is flooded with advertisements about how they can help with achieving your financial and investment strategies. Im struggling to understand with how manipulating payment postings to charge excessive overdraft fees to someone who is obviously struggling financially is helping someone financially? Also, how customer service assists by hanging up and then mailing my correspondence to my old address which is my parents house and was updated years ago? 

Unfortunately, Im basically helpless as I am one customer that is being stomped on by a large bank. I file this complaint in hopes that regulators will step in and make this behavior illegal so that more customers are not taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received unsolicited mail saying I was pre-selected to receive a loan of {$3100.00} and when I provided them with my name, address, ph #, name of employer, address, ph # name of bank, bank routing # and checking account #, length of employment, how long I have had my bank account, SS #, Drivers License #. I received a single line message saying my application was denied. I believe I may have been scammed & will closing my checking acct asap.
Product: Checking or savings account

Recently I looked at a copy of my report at Early Warning Services and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain checking accounts. It is my understanding that you will investigate these inaccuracies to ensure accuracy in accordance with The Fair Credit Reporting Act Public law 91-506 Title VI Section 611
Product: Debt collection

On XX/XX/18 I spoke with XXXX from AmSher who said she was collecting a debt owed by me from XXXX XXXX in the amount of {$89.00} for reasons unknown by myself, the debt collection company nor XXXX XXXX. XXXX XXXX can only tell me that it was an account in my name and was closed over 12 months so they have no information. I would have no reason to open a separate account in my name alone at the same address that I share with my husband. We had an account in both our names. There was no separate account in my name only and so a fraudulent act has been committed and AmSher is trying to get money from me that is not owed.
Product: Debt collection

Castle credit Repeatedly called nonstop almost every hour of the day. Saying theyre lawyers or police or theyre the court going to sew me or Im under investigation and thwyre going to report me if I dont answer. Theyve also called family members saying the same things and my job. Theyre very vulgar and rude wouldnt say who they were at first. Just that they wanted money.
Product: Mortgage

On XX/XX/2020 I paid off the 2nd mortgage on my home. Bank of America received the funds on XX/XX/2020. I have applied and been approved for a HELOC with another financial institution to consolidate debt. I am unable to complete this transaction due to Bank of America not yet sending the Lien release paperwork to my county. I have called the Lien release customer service 43 times, to no avail. All I am asking is for them the send the lien release to my county clerks office. This document was generated on XX/XX/2020 and was allegedly sent to my county on XX/XX/2020. My county has NEVER received it. I have requested to have this sent to my county office on four occasions. I have requested to speak to a manager or a supervisor on five occasions and they schedule a time to call me back with a 2 hour window and I have NEVER heard back from a single one. ALL I want is for them to do what they are supposed to do nd send the lien release to my county. Thank you in advance for your time.
Product: Credit card

I am formally complaining against SEVENTH AVENUE I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have contacted SEVENTH AVENUE who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that SEVENTH AVENUE stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank is in violation of Fair Debt Collection Practices Act section 809 ( a ) and section 809 ( b ).

They are also in violation of the Federal Credit Reporting Act sect 623 ( a ) ( 3 ). As well as NC. GENERAL.STATUTE.58-70-50 that requires a collection agency place its permit number, true name and address to all correspondence sent to the debtor.

They have failed to do what is prescribed by law in the Federal and State laws mentioned above. 

If they do not remove the negative items being incorrectly reported under my social security number on my XXXX, XXXX, and XXXX credit reports I will use all legal remedies that are alotted to me per Federal law and Local State law.