23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

In XXXX, I opened a Bank of America checking account. In XXXX XXXX, while watching XXXX footage I decided to join the XXXX. After joining, I visited my local branch office in XXXX, XXXX and spoke to a representative. I provided them with my XXXX to show that I was XXXX XXXX XXXX and deploying. I requested and completed paperwork for my checking, savings, and credit cards to be converted to Military accounts. This conversion would have given me specific benefits that save me a lot of money while over seas and banking. Over the many years that have past, I continued using my bank of America products, such as my debit card. As a loyal member, I never second guessed the bank. I simply did n't have the time to check on my statements and was preoccupied with other important issues, within the Military. Worrying about my bank statements was the last thing on my mind. Recently, I was approved to come home ( USA ) and I settled in XXXX. After buying my home and getting married, I had the peace of mind to sit down and review years of financial statements. When I logged in to my bank of America accounts, I was stunned to learn that I did n't have access to more than several months of information. I began looking through the information I had available. I noticed there were so many fees. There were maintenance fees, International Transaction fees, ATM fees from over seas, overdraft protection fees, and it almost seemed as if there were fees for having too many fees. I called the bank and requested my account be closed, after 11 years of membership. I was told by the representative that my account had never been processed to reflect it was a Military account. This failure to complete that process, meant that I did n't receive the benefits of a Military account. The representative quickly reimbursed me for maintenance fees for this month only. I was informed that I should not have been subject to any fees, specifically maintenance fees of unknown amounts ( as the fee price has fluctuated over my tenure as a member ) and transaction fees, as well. Not to mention, she stated that ATM fees should have been waived too. She quickly transferred me to the Military Department. The new representative agreed that the Military accounts have specific benefits which civilian accounts do n't share. But, unlike the first representative he refused to tell me what those benefits might be. Instead, he asked me to wait a few days, while they reviewed the account to determine which benefits they will approve for me. I was appalled, as the benefits should be what they are, despite the current status of my account. I felt as though they wanted to review what their liability was and then pick and choose what they will reimburse me for. I asked that he explain the benefits and he continued to refuse.
Product: Vehicle loan or lease

Hello, Santander was named in a multi state lawsuit for providing higher interest rates knowing the person couldn't pay the loan back! I am a victim of this and sueing Santander in another lawsuit related to this! Santander is taking advantage of people ; my car was repossessed because of this! I'm struggling financially because of this and its holding my credit back. That's against the law and I'm demanding Santander to be removed from my XXXX, XXXX and XXXX credit reports asap!
Product: Debt collection

I.c. System, Inc Claims to now own a reported debt for cable T. V. 

I've never had cable T. V. 
I did have internet account in which I requested To Close Account for 4 months due to the wires being faulty and landlord / management refused to pay. Owner just passed from XXXX and HOA claims no liability. My kids were in on line school, I am XXXX from XXXX and XXXX  XXXX. We had to move. Began in XX/XX/XXXX till XX/XX/XXXX. Equipment had been returned, technicians confirmed and verified no service on interior lines since XX/XX/XXXX. Called repeatedly threatening me to block all source of internet companies and I would be arrested because my kids could not go to school. Their name is XXXX XXXX XXXX XXXX Every so often apologizing and clearing the erroneous amount due after they failed to close account. A month later a new person would call and the entire thing would start again. Did not hear from them after I was told no long amount in dispute. Over 1 year. Suddenly this appears and ic begins to harass me as if I am unable to know what I owe and how to manage. Suggesting my 'disability has handicapped my brain, maybe someone else should pay debts do I do not cause more damage '. All I can say is ignorant! Please help me to prevent companies from this unprofessional behavior. After explaining they could just act rational and not negatively effect my disorder with needless stress they began to capitalize on that exact point Over and over again. I hope they kept the recorded calls to be heard. Shameful! 
If you would please help with a written guideline for me to resolve successfully. Thank you. The Mark on my credit effects my kids college loans. And all 4 kids want to go. # 2 is applying now. Hence my noticing prior to another student loan. I do not have any late payments and several accounts are not reported at all. Happy day to you. 
XXXX XXXX XXXX XXXX have never received any document from the I.c. System, Inc.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the unsuccessful attempts to remove a charge-off accounts entry from my credit report. Despite multiple efforts to address this matter, the charge-off persists, causing significant distress and affecting my creditworthiness. 

I have made numerous attempts to dispute and rectify this situation, providing documentation and explanations to support the removal of this charge-off from my credit report. However, it is disheartening to note that these efforts have been unsuccessful. 

I urgently request the following actions be taken : Thorough Review and Verification : Conduct a comprehensive review and verification of the charge-off entry in question, considering the documentation and explanations provided during previous disputes.

Communication Enhancement : Improve communication channels to keep me regularly informed about the progress made on my dispute and the steps being taken to address the charge-off.

Escalation of Dispute Resolution : If the charge-off is found to be inaccurate or incomplete, I request an expedited resolution and the immediate removal of the entry from my credit report.

Compensation Consideration : Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations for the stress and disruption experienced.

I understand the importance of accurate reporting on credit files and the role it plays in maintaining the integrity of credit reports. However, the persistence of this charge-off is causing undue hardship, and I am seeking a prompt and fair resolution.

Please acknowledge receipt of this letter and inform me immediately of the steps being taken to expedite the resolution. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these charge off in my credit file : XXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to start a new company for my XXXX and I recently found several addresses on my file that do not belong to me! My name is XXXX XXXX my DOB is XX/XX/XXXX my Social Security is XXXX.My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have nothing to do with the addresses listed below please delete them asap they are fraudulent and inaccurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX  XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against TransUnion for Failing to Correct Inaccurate Late Payment Information Dear CFPB, I am writing to file a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX  XXXX account ( Account Number : XXXX ). Despite multiple requests for correction, including dispute letters dated XX/XX/XXXX and XX/XX/XXXX, the inaccuracies remain unaddressed, violating provisions of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Summary of the Issue : The inaccurate late payment reporting on my XXXX  XXXX account shows discrepancies across all three credit bureaus ( TransUnion, XXXX, and XXXX ) for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XXXX and XXXX ) and XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( TransUnion ). The repeated failure to correct these errors after my previous disputes demonstrates noncompliance with federal laws designed to protect consumers. 
Violations of Federal Laws : XXXX. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Credit reporting agencies are required to investigate disputes and ensure the accuracy of information in consumer files. The failure to correct these inaccuracies violates this provision.

15 U.S.C. 1681b : Only accurate information may be included in credit reports. Reporting incorrect late payments constitutes a breach of this statute. 
XXXX. Truth in Lending Act ( XXXX ) : 15 U.S.C. 1666b : Creditors are required to send periodic statements at least XXXX  days before the payment due date. The inaccurate reporting of late payments implies a failure to comply with this requirement. 
XXXX. Protection Against Non-Payment of Obligations Act ( XXXX ) : This act underscores the responsibility of creditors to provide timely and accurate statements, preventing unfair penalties to consumers. The inaccuracies in my account reporting violate the principles of this law. 
Account Discrepancies : The account in question has the following discrepancies that remain unresolved : High Balance : Incorrect or inconsistent across credit bureaus. 
Last Verified : Dates do not match across reports. 
Last Day of Activity : Reported inconsistently between credit bureaus. 
Dispute Status vs. Creditor Remarks : Discrepancies in reported status and remarks. 
Evidence of Error : My payment records clearly demonstrate that all payments during the disputed months were made on time. 
Attached are copies of my payment receipts, bank statements, and previous dispute letters sent to TransUnion. 
Desired Resolution : Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
Written confirmation of the correction from TransUnion. 
Failure to address this matter promptly will result in further actions, including additional complaints to relevant agencies and potential legal action. 
Thank you for your attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7400.00}, {$13000.00}, {$8600.00}, {$1000.00}, {$2700.00}, {$4000.00}, {$4800.00}, {$1100.00}, {$6100.00}, {$1800.00}, {$450.00}, {$6400.00}, {$310.00}. 
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. 

-- CLOSED ACCOUNTS XXXX.XX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

XXXXXX/XX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

XXXX. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

XXXX. XXXXXX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

XXXX.XX/XX/XXXXwith ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$2700.00} -This is not my account. 

XXXX. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

XXXX. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- AUTO LOAN OR LEASE XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 


-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

XXXX.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 

XXXX.XX/XX/XXXXXXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXXXXXX, XXXX with a balance of {$310.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to get a copy of my report through the company and their website is erroneous and does not work. I was denied a checking account based on BAD information supplied by the companyt to XXXX XXXX XXXX
Product: Checking or savings account

I received an email that my account was closed at XXXXXXXX XXXX XXXX  on XX/XX/year>, with no stated reason. Since this email, my account is restricted and I am unable to access {$3300.00} in my account.
Product: Checking or savings account

Finished all required activities but didn't receive account opening bonus. Contacted customer service and the reason they denied the bonus was not listed in required activities term. Citi might be false advertising in the promo email to allure potential customers to deposit money with bonus that they will find every excuse to deny. 

Required Activities Eligible Customers must 1 ) enroll in the AAdvantage Offer between XX/XX/20 to XX/XX/20, and according to the Chart below 2 ) must open a checking account in an Eligible Checking Account Package 3 ) complete a Citibank Debit or ATM Card Purchase corresponding to the Eligible Checking Account Package requirement in the Chart within 60 days of account opening, and 4 ) make 1 or more Qualifying Bill Payments for 2 consecutive calendar months within 60 days of account opening. 

Contacted customer service and got this reply : " Upon checking, I see that you opened this account on XX/XX/2020. 

The promotion states that if you open an account, deposit the minimum balance within 30 days and maintain it for the next 60 days, you'll get the promotional bonus within the next 90 days ( from the 60th day ). 

But I see that you deposited {$50000.00} to this account on XX/XX/XXXX, which was more than 30 days after opening your account. 

So, I'm sorry to inform that your account doesn't qualify for the cash bonus as per this promotion. " After I pointed out that this is not a required activity, the customer service representative came back with another condition that's not clearly specified in the terms. 
" I checked these transactions and see that these payments were set up from your Credit Card account, which makes these payments as ACH debits in your Citibank account. I'm sorry ; but the Qualifying Bill Payments means they should be set up from this account in your CItibank profile. ''
Product: Checking or savings account

Hello, I have been using PayPal to receive payments for my XXXX  business ( XXXX XXXX ) also I am using it sometimes to pay. 
On XX/XX/XXXX I give my PayPal account to one of my clients to send me payment, after that I got a mail from PayPal that my account is permanently limited then I got mail informing me that my account temporary limited and asking for some information to submit ( The mail that asking for Information arrived after the permanent limitation mail ). 
So I contacted PayPal customer services asking for the reason and they tell me the decision is final and didn't give me any clear reason. 
After days of searching and contacting my client who send the transaction. 
I discovered that he was using XXXX platform to convert his crypto coins and send them automatically to my PayPal account. 
I didn't know that he will use XXXX platform to send it to me. 
and my client didn't know that PayPal doesn't allow dealing with XXXX platform in my country XXXX. 
I really didn't do anything illegal. 
So I wish you help me get my account back ASAP.
Product: Debt collection

Someone was able to use my personal information to purchase a XXXX cell phone in my name with a company call XXXX XXXX and sent over to a collection company name XXXX XXXX XXXX I have tried to dispute this but nothing has happen...
Product: Mortgage

Received Trial Period Plan from Shellpoint Mortgage servicing XX/XX/2019. 
I've made 2 of 3 trial payments, received property foreclosure sale letter from foreclosure attorney XXXX, XXXX, XXXX XXXX XXXX. 
Please postpone property foreclosure forXX/XX/2019. 
How do you foreclose on my property when I'm in a trial plan? 

Please Help!!!!!!!!
Product: Debt collection

I was sued in 2003 by Weltman Weinberg & Reis. I was never served any documentation requiring that I appear in court. Resultantly they obtained a default judgement against me. The lawfirm is aware that I was never served and instead of with drawing the judgement they continue to attempt to collect. The case is in the XXXX XXXX XXXX XXXX XXXX, Ohio. Case No. XXXX. Please help me I have exhausted every avenue known to me. I am at a loss with regard to how to successful right this wrong and I am frustrated.
Product: Credit reporting or other personal consumer reports

Multiple complaints have been filed with you highlighting your violations of my consumer rights. You have consistently denied and disregarded my complaints, despite having no evidence to support your position. You have also committed numerous acts of fraud against me. Attached to this letter is an Affidavit of Truth that details the violations of the FCRA that have been committed against me. These Bankruptcy accounts must be removed immediately from my consumer report/file ; otherwise, I will pursue you in federal court for these violations, as I have months of paper trail and deletions from the other consumer reporting agencies admitting the violations. This is the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 i vied my credit reports, and seen that ALL THREE credit bureaus were reporting false and misleading information on my credit reports, therefore i contacted the bankruptcy court in XXXX Ga, and talked to a court rep, who stated on a recorded line that the courts DO NOT REPORT TO CONSUMER REPORTING agencies, which is a FCRA VIOLATION, but she stated that the information is public and that's how the consumer reporting agencies get the information, which is a violation of my privacy pursuant FCRA laws. for only I the consumer can give permissible permission to report ANYTHING on my credit reports and only i the consumer can VALIDATE any information reporting on my credit reports, so knowing that the information was fraudulently used from PACER database by a third-party consumer reporting agency which is breaking federal laws and violating my privacy as a consumer, this information needs to be deleted from my credit reports immediately! I mailed all three credit bureaus letters on XXXX and have not heard anything from them or the investigation into this matter which is another violation of my FDCPA and FCRA rights as a consumer, i am filing this complaint today, on TRANSUNION, XXXX, XXXX for reporting false and misleading information and they are committing fraud by doing so!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  - Date Opened - XX/XX/2015 In accordance with the Fair Credit Reporting Act my rights have been violated as a consumer Pursuant to USC 15 1681a ( 1 ) Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting. It is the purpose of the subchapter USC 15 1681 ( a ) ( b ) that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit in which a manor that is fair and equitable to the consumer. This information is not relevant, fair, or accurate and was improperly used. There were no reasonable procedures meet I wasnt even contacted about this manner.