23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Tx XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report under my rights as specified in the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ). According to these statutes, credit reporting agencies are required to maintain and report only 100 % accurate information on consumer credit reports. Inaccuracies that are not corrected must be removed entirely from the report. 

The information I am disputing pertains to the following account : Account Name : XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX **** I have identified several discrepancies on this account across the credit reporting agencies. Due to these inconsistencies, I request that the information be immediately reviewed, verified for accuracy, and, if found inaccurate, be corrected or removed from my credit report in compliance with FCRA guidelines. 

If this matter is not resolved within XXXX days, I am prepared to proceed with legal action for damages of {$1000.00} per instance of inaccuracy, as provided under FCRA violations XXXX I trust that you will act promptly to rectify this issue. 

Please provide written confirmation once this information has been corrected or removed from my report. I appreciate your attention to this matter and your adherence to federal guidelines in addressing my dispute. 


I have attached the letter I've sent to all three reporting agency, XXXX, TransUnion and XXXX. 

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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Debt collection

Attorney XXXX XXXX, based in MA, entered into a surety bond contract with XXXX XXXX XXXX XXXX ( XXXX ) for collection business in Nevada. He forged his ex-wife XXXX XXXX 's name to obtain the bond. He subsequently declared bankruptcy & XXXX tried to collect a debt from XXXX XXXX, which was the 1st she knew of the forgery. She notified & provided proof of the forgery to XXXX through an atty ( XXXX XXXX, her sister ) but XXXX sent it to a collection agency. For 6 months now XXXX will not respond to correspondence or calls from the atty. Below, XXXX XXXX requests communication re the complaint go to XXXX XXXX, her attorney.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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 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 recently conducted a review of my credit report, and I noticed that your agency showed ten ( 10 ) credit inquiries that I find problematic. 

XXXX made the first inquiry in question on XX/XX/2018, XX/XX/2018, and XX/XX/2018, and I have no recollection of doing any business with XXXX. 

I contacted XXXX and asked them to act to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would follow my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, to make sure this gets done. 

XXXX XXXX made the second inquiry in question on XX/XX/2018, and XX/XX/2018, and I have no recollection of doing any business with XXXX XXXX 

XXXX made the third inquiry in question on XX/XX/2018, and XX/XX/2018, and I have no recollection of doing any business with XXXX. 

XXXX XXXX made the fourth inquiry in question on XX/XX/2018, and I have no recollection of doing any business with XXXX XXXX. 

The fifth inquiry in question was made by XXXX on XX/XX/2018, and I have no recollection of doing any business with XXXX. 

XXXX XXXX made the sixth inquiry in question on XX/XX/XXXX, and I have no recollection of doing any business with by XXXX XXXX.
Product: Payday loan, title loan, or personal loan

Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. 

I XXXX XXXX consumer, natural person, and original creditor to an open end credit plan was denied my right of credit by XXXX XXXX XXXX XXXX XXXX XXXX d/b/a Acima. I was informed of this trespassing of my rights specifically 15 USC 1601- Truth In Lending Act by XXXX  XXXX XXXX XXXX XXXX XXXX d/b/a Acima on XX/XX/2021. According to 15 USC 1602 definitions of the Truth In Lending Act, i as a natural person possessing an open end credit plan was harmed by XXXX XXXX XXXX XXXX XXXX XXXX d/b/a Acima with the adverse action taken against me denying me my rights of which civil damages pursuit to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up too ( {$5000.00} ). XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX d/b/a Acima is now civilly liable to pay me for the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not resolve a dispute that was submitted in XXXX of 2019. My credit score with Equifax dropped over 30 points in less than a month without any derogatory information reported. My credit balances decreased within this time and all payments were on time. Equifax can not explain why my score dropped so drastically without any negative items being reported.
Product: Checking or savings account

I had a CD invested with Truist that hit maturity on Saturday, XX/XX/24. Truist does not allow an individual to opt out of the auto-renew setting for CDs. I had requested this option when I first invested the funds, which is provided to Truist business accounts, but was notified that it is not possible to opt out of auto-renewal for CDs. I received a notice dated XX/XX/24 in the mail prior to the maturity date that confirmed the maturity date and listed a phone number to call for assistance. On Monday, XX/XX/24, the first business day following the maturity date, I logged into my account and noticed the renewal rate for the CD was 0.01 %. A rate that is well below the market rate for CDs and is lower than most savings accounts. I was unsuccessful in finding a way to select a different interest rate option or a way to close the CD and pull the funds back into my Truist checking account. Therefore, I called the number for Truist listed on the notice I had received and requested to have my money pulled out of the CD since it was the 2nd day of the 10-calendar day grace period. The customer service representative tried to help me, but informed me that Truist 's policy did not allow her, the customer service rep at the line listed for providing assistance with CDs, to close the account and transfer the money to my Truist checking account. She informed me the only way for me to close the CD account was to go to a bank location during the grace period. I asked if there was a way for me to be transferred to someone else who has the authorization to close the account over the phone as it would be very difficult for me to get into a Truist bank within the remaining days in the grace period and she informed me that it wasn't possible and that I could only close a CD by going to a bank location.

I had to request to leave work early to go into my local bank location that same day after the call ( Monday, XX/XX/24 ) to request to close the CD and transfer the funds back to my Truist checking account. When I made this request, the banker tried to sell me on a promotional CD at a higher rate, which was not made available earlier to my final request to close the account. I declined and informed him to close the CD.

Truist 's policy on CDs disadvantages individuals and seems to be an attempt to lock up funds in auto-renewing, extremely low interest CDs. Truist 's policies to not allow opting out of auto-renewal when investing in a CD and preventing an individual from closing a CD account during the grace period without physically going into a bank location are predatory practices.
Product: Credit card or prepaid card

I have been a Discover credit card customer since 2016 and during this whole time I always paid my bill on time. Because of that payment history they even converted the card from a secured to an unsecured card over a year ago and when those payments are made it takes less than 48 hours to see the credit available on my card. This month I made my payment few days after the due date ( First time ever ), the amount of {$120.00} posted a day later on my bank statement. It also posted on the discover system yet they have not made the funds available. I contacted them to resolve the issue but they were very rude, disrespectful and just refused to assist. They pretty much said that it will post after 8 business days and there is not much I can do about it. I feel very insulted and decided to close this account however i need my payment to post so I can determine the final payoff and take care of everything at once. They are being very uncooperative and nasty for the simple reason that I made one single late payment so they would like to make sure that they penalize their long time customers. This is a very unfair business practice.
Product: Money transfer, virtual currency, or money service

A fund trasnfer was made via XXXX via Bank of America to the following CONFIRMED XXXX account : XXXX. 

Upon sending the money, the recipient disappeared and never send the item. 
After 6 hours missing, I decided to report the fraudulent transaction to Bank of America and was advised that BOA does not guarantee the fund can be recovered. 

How can this type of platform is allowed to function within the bank application? 

I would like BOA to recover the fund and return back the money to my account as courtesy. 

Thank You, XXXX
Product: Debt collection

Last year ofXX/XX/XXXX Midland Funding put a hold on my bank accounts ( 2 ) we came to an agreement that if i got on a payment plan with them they would release my bank accounts. i paid {$620.00} first 2 months and after that the agreement was {$150.00} every month. it is now XX/XX/XXXX and my bank funds have not been released and i have been making my monthly payments with them. ive tried calling and they give me the run around. they did not keep their word and i am still unable to use my bank accounts. while they are still getting their money.
Product: Money transfer, virtual currency, or money service

XX/XX/23 - {$900.00} My daughter sent me the amount above for rent. I tried to send it back and Venmo locked my account and its holding her money for 6 months and said I violated something just bc I tried to send it back to her. I have sent in every document they have asked for also! I have attached the last email showing I sent in the documents.
Product: Debt collection

Cavalry has been reporting a debt that I do not recognize and I have requested debt verification/validation multiple times. Cavalry has  not sent me anything but statements from  XXXX   XXXX . I have requested the original contract and I have requested the original contract that shows their right to contact me regarding this debt. They have failed to provide this information. In addition, they have failed to mark my credit rep ort ( s ) with an indication of my dispute. They continue to report this debt and have violated my right under the Fair Debt Collection Act to en sure this debt is mine. After I disputed this information, they continued collection efforts despite the statute of limitations being expired.
Product: Credit reporting or other personal consumer reports

Experian is reporting late payments on several accounts that are incorrect. I was not late with these payments this has not been proven that I was indeed late. 

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 ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Checking or savings account

My mother passed away XX/XX/2021. My mom had three accounts one of which I was the beneficiary on. The branch manager stated I was not on any of the accounts and denied access even when a death certificate was provided as we still needed to insure my moms bills were paid. I had gone in, called and still told the accounts were locked. For 5 weeks this continued until I reached a person in a higher position and had the fund released immediately. The way I was treated was unprofessional. We were lied to and Denied Access to the account I was beneficiary of. The branch manage deliberately and malicious in manner withheld access to an account that was mine and lied and stated the accounts were locked and were denied access. It is a form of theft in my opinion. Our family has been in a great amount of distress and grief over the unexpected death of my mother. This action taken by the branch manager To deny and to blatantly lie to my husband and I is beyond lie our understanding. Our family attorney is aware of the concern. We will be considering options from this point forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted  XXXX   XXXX  several times with regards to the inaccurate late reportings that they are reporting on my credit file for  XXXX ,  XXXX , and  XXXX   2017 .  XXXX   XXXX  has refused to remove these inaccurate reporting on my credit file with  XXXX ,  XXXX , and Experian. This account was paid in full on  XXXX   XXXX ,  2017  by  XXXX   XXXX   XXXX . My due date is the  XXXX  of each month. Please see the attachment that shows the account was paid in full.
Product: Credit reporting or other personal consumer reports

I have asked all creditors for over 8 months to validate debt, Send me a payment ledger. I have asked how was any accounts validated. The credit bureaus have been ignoring me. They have taken up to 75 days to answer any disputes. The Outdated, Inaccurate, incomplete, not my account, or responsibility ( No Contractual Proof ). You NEED to PROVE IT or LOSE IT from my credit report. 
I am writing this letter to your company in unproven reportability with just that, assumed information you are reporting that you believe is correct. Let me ask you this? Was this information justified and did you ask for proof? If so, I DEMAND the proof to be mailed to me immediately if this information shall remain. These are obvious infractions of the FCRA or FDCPA : XXXX XXXX  Account : XX/XX/XXXX XXXX XXXX  Account : XX/XX/XXXX XXXX XXXX  Account : ( opened XX/XX/XXXX ) XXXX XXXX  Account : XXXX ( opened XX/XX/XXXX XXXX XXXX : opened XX/XX/XXXX XXXX XXXX  Account : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX wages : XXXX XXXX in XXXX XXXX IL, XXXX, IL XX/XX/XXXX XXXX XXXX Account : ( opened XX/XX/XXXX ) XXXX  XXXX XXXX  : ( opened XX/XX/XXXX XXXX  XXXX XXXX  Account : ( opened XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Opened XXXX All three bureaus I have never lived at the address on the file for this creditor that has been removed under another collection name in XX/XX/XXXX. 
XXXX XXXX Account : XXXX ( opened XX/XX/XXXX, only on Transunion and XXXX )
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX, XXXX XXXX XX/XX/2021XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened and funded an online business checking account at U.S. Bank On XX/XX/XXXX. It was funded with {$5100.00}. Without notifying me they closed my account At some point there after. The only way that I found out is because I couldnt access my account online and called them on XX/XX/XXXX to find out the matter. They informed me that they decided they didnt want my business and turned me over to the fraud department. They said that I had 10 days to appeal their decision and if not at some point after that, they would send my Funds to the address on file. I told them I did not want to appeal their decision, and that I would like my funds sent to me immediately. They said that would not happen, and that they had no timeline for when I would receive my funds. I talked to what I was told was a manager and he told me there was absolutely no way to determine when I would get my money back. This is the point at which I am listed your help. I really dont know what else to do as they basically said that I will get my money when they are ready to send it to me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I read about the Equifax Data Breach on XX/XX/2017. 
I checked my info with the equifax breach site to see if i was impacted ( I " may have been. " ). 
I followed steps outlined at ftc.gov to contact the reporting agencies and put a fraud alert on my file, which should require anyone initiating a new line of credit to call me before doing so. 
I followed the instructions to get my free annual credit reports to review and ensure nothing out of the ordinary ( nothing yet ).
Product: Credit card or prepaid card

I received a new debit card from Bank of America and purposely did not give the number to a merchant that was not delivering services as promised and to whom I was requesting a refund ( which they denied and we are now in a dispute of charges ). My new debit card number was provided to the merchant from Bank of America, who blamed Visa, could not point out where I gave them permission to release my personal banking information to a merchant, and said its written somewhere in the small text of my initial banking agreement and I shouldnt complain because all banks give your replacement card number away for recurring payments. This is a blatant violation of my financial privacy and an unclear, obscure hidden policy that seems to go against the grain of consumer welfare.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed navy federal credit union auto loan that was opened on XX/XX/XXXX.  After dispute, credit score dropped 40 points and status of account went from from closed to open in XX/XX/XXXX. This happened again another 4-6 times since XXXX. Initiated another dispute on XX/XX/XXXX and credit score dropped another 56 points as of todays date related to account status changing from closed to open. Over the course of the last 7 months, my score has collectively decreased by greater than 100 points.