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

In XXXX 2017 I went to the BB & T bank in person to open a savings account. I sat down with a XXXX XXXX filled out all the necessary paperwork and provided all my personal information including my social security number, an account was placed and set up in my name XXXX XXXX XXXX, the total amount of my deposit was {$30.00} dollars, I explained to the XXXX XXXX that the XXXX dollars was valuable to me especially a {$5.00} bill that had three XXXX in it, I had saved that {$5.00} for approximately one year while being homeless. Also the other {$25.00} dollars was given to me from my daughter who I had been separated from for approximately 12 years wit only 2 small visits and was reunited with her in XX/XX/XXXXas you can see it is clear that I wanted this deposited money to be protected and safe in a account, no matter how small the amount.. I left the bank happy with an account. A few days later I went to make a small deposit at the drive through window and was told that the account was frozen and that I could n't make any deposits, to call a number ... a few days later I received a letter from BB & T stating that my name was in XXXX XXXX and that the bank has closed my account. My account has been closed with no check for my valuable {$30.00} dollars ...
Product: Bank account or service

I still waiting for a responses. The bank still sent me the same email indicating the same, that they are going to investigate, and for how long they need to investigate since I open this case in the bank on XXXX XXXX, 2015, and do n't have any responses. Please help me and stop this abuse. 

Sincerely, XXXX XXXX from my iPhoneOn XXXX XXXX, 2015, at XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 

View the details of your complaint and the company 's response so far at : XXXX will let you know as soon as we receive an update about your complaint. 




Thank you, Consumer Financial Protection Bureau consumerfinance.gov ( XXXX ) XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX Balance Owed XXXX {$17000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am required to update my contact information with every interaction with a representative of the company no matter how many times I am transferred in a single call or how many calls I have during a day. Each representative I speak to requires me to update my Employer, Address, Phone Number, and Email. I can receive up to 5 calls in a day and am usually transferred at least once sometimes up to 4 times in a single call and am required to update my information with each representative. Its very excessive and stressful to be required to constantly update my information often daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Equifax on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  demanding them to stop furnishing my report. I never authorized anyone to do so and also to remove incorrect reporting errors. I was passed around, transferred and hung up on each time I called. This has caused grave mental and financial damage to my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX XXXX Re : XXXX  XXXX  Account Number : XXXX To Whom It May Concern : I would like to make arrangements to settle the above referenced matter ON CONDITION that you : 1. Produce the account and general ledger statement showing the full accounting of the alleged obligation you are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. 

2. Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 
Please contact me in writing to arrange for an appropriate point of inspection. 

3. A statement admitting whether you are the holder in due course or whether you are a servicer. 

Lastly, Please provide me with your statement of the amount owing as of ( XX/XX/22 ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. I am giving you formal notice that failure to respond to this letter through a verified and validated proof of claim within 7 days as I have asked for, point for point will be taken as an administrative default. 

Thanks. 
XXXX XXXX Without Prejudice
Product: Credit card or prepaid card

Credit karma claimed I was pre approved for a credit card and after application I was denied. Credit karma claimed that I was approved for a credit card as well and after I filled out the application I was denied. This has happened multiple times throughout the past two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to XXXX me a loan because of this. 

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

In accordance with the fair credit reporting act XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting or other personal consumer reports

I have diligently followed the established dispute process, providing irrefutable evidence of the fraudulent nature of these items and any other relevant documents. Regrettably, these fraudulent entries continue to tarnish my credit report, exacerbating the negative impact on my financial standing. 

I wish to emphasize the urgency and severity of this matter, and I express the following concerns : The persistent existence of these fraudulent items not only continues to harm my credit score but also raises serious concerns about the security of my personal information. Immediate action is crucial to rectify this situation and prevent further damage. 

The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies promptly investigate and correct inaccurate or fraudulent information. The prolonged existence of these fraudulent entries on my credit report is a direct violation of this legal requirement. 

Despite my repeated attempts to resolve this issue, the lack of resolution is unacceptable. I am left with no choice but to escalate this complaint to higher authorities and legal channels if this matter is not promptly and satisfactorily addressed. 

I insist on your immediate attention to this serious matter and a swift resolution to remove the persistent fraudulent items from my credit report. I demand detailed information on the steps being taken to investigate and correct this issue. 

I expect a written response within 15 days, as the urgency of this matter necessitates a more expedited resolution. This response should outline the results of your investigation and the concrete actions taken to rectify the persistent fraudulent entries. Failure to address this issue within the specified timeframe will leave me with no alternative but to pursue legal remedies aggressively. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance : {$990.00}.
Product: Mortgage

There is a lot I do n't understand on how Planet Home Lending is using my escrow account. I was expecting to have a lower mortgage payment but for some reason it goes up with some number that do not much my calculations.
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 {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
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 outlining 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. 

-- STUDENT ACCOUNTS  1. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXXXXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDCO Inquired on XX/XX/XXXX, XXXX XXXX, XXXX add a hard inquiries on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof  that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that needs to be removed due to incorrect information being reported I have previously removed these accounts from the other bureau experian and XXXX wont delete off the report I am referring to XXXX XXXX XXXX opened XX/XX/XXXX balance {$4300.00} also XXXX XXXX XXXX opened XXXX balance {$4400.00} ameri collect dates opened XX/XX/XXXX, XX/XX/XXXX balance {$1500.00} and {$1500.00} that is supposed to be deleted which is already deleted from my report due to previous dispute experian wont delete anything nor will update my report when i reported someone was using my name. 

XXXX XXXX XXXXXXXX opened XX/XX/XXXX balance XXXX monthly payment {$490.00} i have paid my bill and i need it updated i dont have a 60 late payment self credit card opened XX/XX/XXXX balance {$500.00} i already paid my bill i need it updated that i paid i dont have a late payment and the utilization isnt reporting right self loan XX/XX/XXXX i have paid my bill already i dont have a late payment
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a loyal customer with XXXX for many years and have always used the credit account through XXXX XXXX to take advantage of zero percent interest. XXXX XXXX is reporting a late payment on my credit report. I have NEVER paid this account late. I have participated in automatic payments or paid manually but have never paid late.
Product: Credit card or prepaid card

I was approved for XXXX truist credit cards on XXXX XXXX i recived an email saying i was approved and that i should expect my cards within 7 to 10 business days. it has been 4 months and i still have not recevied the credit cards. i spoke to a customer rep and they said they dont see the approvals. i feel my rights are being violated as a consumer. please help.
Product: Debt collection

PORTFOLIO RECOVERY # XXXX is reporting late payments with the 3 CRA .

I dispute this debt as I have never opened an account with this collection agency ; therefore, the collection agency is inaccurately and erroneously reporting a 30-day late notation.
Product: Debt collection

On XXXX XXXX, XXXX, I requested in writing that Fair Collections & Outsourcing validate their claim for {$610.00} for carpet damage. They would never provide a ledger to prove age of carpet in order to calculate prorated cost as stipulated by state law. Also no proof of damage was given. On XXXX XXXX, XXXX, Fair Collections & Outsourcing offered a settlement of {$300.00} but provided no proof of debt. The collection is listed on my credit reports for {$610.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files. 

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

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

A contact this company to open a investigation for contract discrepancies over charge after that complaint they offer me a reduction a dont accept and they report a payment on XX/XX/2020 never happened report last day of payment report different payment history balance payment history in XXXX and XXXX a dispute and they validating and keeping like correct damaging my credit score violating my right If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my latest credit report dated XX/XX/XXXX and the items I disputed remain on my report. I sent letters to all 3 Credit Bureaus XXXX, XXXX and Equifax in XX/XX/XXXX with detailed request of accounts on my credit report that required investigation. Equfiax removed some accounts, XXXX and XXXX did not remove any accounts. I am requesting help from this platform to understand why I did not receive any correspondence. Thanks in advance for your help with this.
Product: Credit reporting or other personal consumer reports

I am filing a complain against equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, equifax consistently responds within 24 hours stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates fair credit reporting act
Product: Checking or savings account

I booked a one month stay through XXXX for a property in XXXX during XXXX through my chase bank account. What was meant to be a month stay needed up being less than 1 days stay because of how badly and falsely advertised the location was. The hotel manager was friendly and apologized for the room conditions and hotel conditions and promised a full refund. When I checked out they said that no worries they have informed XXXX and they will be the ones who will refund me as they are the ones who dealt with my money and bank. I noticed they charged me so I reported it as dispute however it was denied through chase and chase bank told me to get my refund through XXXX 

For months I have been waiting for my refund from XXXX and there excuse was that the property is refusing to give me the money which is not true. I got the XXXX police involved and they were very helpful and provided me with sufficient evidence that prove how XXXX  are scamming me. The proof is on XX/XX/year>, the property successfully transferred my funds to XXXX  to send to me. Later around XX/XX/XXXX I get communication from XXXX that they will refund me as they have my funds and that my money should be in my accounting XXXX business days. However it is XXXX now and I still dont have my money and I keep asking why did you not send it and they lie and say that my bank rejected it and that I successfully won a claim with my bank which is not true and they say that they do not have my funds now which is not true as they have my funds since XX/XX/XXXX and they even acknowledged that. I have also called chase bank several times and they said they can not help me and that XXXX should be the ones to refund me! They both contradict each other and now I still do not have my money refunded in my account and there is police reports with the proof