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

This is in response to previous complaint XXXX, against inability to open Ally bank account. The company has argued that they are using a different model, where the company model generated a score of XXXX, however check system score XXXX. They have denied my account, because of low score of XXXX. But there is a huge difference between the two scores and clearly one of the model is wrong or faulty. There is no negative information of my check system report and Ally bank score of XXXX is presumably flawed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act the following companies : XXXX acct XXXX XXXX, XXXX acct # XXXX, Capital XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX XXXX XXXX # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX has violated my rights 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 an account without my written instruction.
Product: Checking or savings account

For almost three years I have been a member with PNC. For the past 2 years, I have been receiving direct deposit on Monday from XXXX in the amount of XXXX. On Friday XX/XX/19 my check was direct deposited from XXXX to PNC. On Monday XX/XX/19 I checked my account to find that it was negative in the amount of XXXX. At XXXX XXXX  I called PNC only to be told that if I dont get the Funds in my account by XXXX on XX/XX/19 I will be charged a overdraft inwhich all of the fees will not be reversed. In the 3 years I have been with PNC I have probably overdraft my account twice. And obviously today it is a glitch in the system. So for them to try and hold me accountable for all these fees and reverse them is ridiculous!!!! Especially when none of this is my fault. I have had issues with PNC and their system glitches in the past taht lead to several of the same transactions being taking out multiple times. So who am I to believe that this is anything different!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my report and I seen some company that I do not recognize XXXX XXXX, XXXX XXXX. I have never done business with company and I demand to see any and all documentation to make sure I am not being confused with someone else. 
I would like these account blocked FCRA 605B ( 15 U.S.C. 1681c-2 ) from my credit report asap. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit  reporting agencies in connection with accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about my vehicle lease, for XXXX XXXX XXXX, my SSN # XXXX. 

I am the owner of the vehicle and my partner co-signed the vehicle. He is part of a Bankruptcy potion and the account should not be reporting status during that time. Last month I got a notification that I got a 30day late for last months payment. 

I have paid the account and have it up to date. I am asking that XXXX remove the 30day late as while this is being sorted out nothing should be reported to the credit bureaus while this is in BK status. 

I can be reached at XXXX Thank you.
Product: Checking or savings account

I received an alert from XXXX on XXXXthat an account was opened at Wells Fargo Bank on XX/XX/22 using my social security number. I called Wells Fargo and they placed a hold on the account. They told me they would send me a letter in 45 days and will not disclose further information. I demanded to be sent to their identity fraud department. After waiting on hold, I was connected to a representative who pretended she could not hear me and hung up. I called again and was on hold for 23 minutes, then disconnected.
Product: Checking or savings account

My issue is fees are charged when transactions accounted for process because I hit a XXXX balance. Not new transactions that exceed my balance.it has been several XXXX several times the last 9 months. Not just transactions that actually exceed my balance but the same ones accounted for that process days after the hold for my balance.im not actually exceeding my balance in most cases but it charges fees anyhow. I have actually overdrawn and I expect those fees. Not the ones that never actually exceeded my availability.
Product: Credit card

Last week I was contacted by phone by US Bank from an unknown number and was left a message about possible fraud on my US Bank issued credit card. I initially disregarded the call, because I do not have a US Bank credit card. I do, however, have a loan with them. Curiosity got me and I looked up a number for the US Bank fraud department and called. After speaking with the agent, we came to the conclusion that it was indeed an account that was opened in my name and identity theft was suspected. After I was transferred to the appropriate department, they informed me that the fraud was noted and they would send me more information in the mail. The next day, I needed to contact US Bank to check on the status of my loan 's payment status. While on the phone I was looking at their web site checking on my loan account there. The web site had the address of the fraudulent applicant! However, on the phone, I was told that the loan department had my correct information. I asked the loan department how and why this had happened, they said that it was the fraudulent credit card application that changed the website information. To change the information on the website back to my correct address, they transferred me to the credit card fraud department, which told me I would have to change the information on the website myself, that is, login and edit the information. So I went to the page only to learn that by changing the address, the bank would mail notification of the change to the prior address -- the fraudulent one! The US Bank informed me there was no way to fix that. So the identity thieves are going to be notified that I am on to them. US Bank also informed me that even though someone -- not me -- had opened a fraudulent account in my name, it was MY onus to make sure the credit agencies were notified. US Bank said they would only notify the credit agencies after US Bank sent me a regular post letter confirming the fraud. It is now over a week and I have yet to see that letter. I went ahead and notified the credit agencies on my own in the mean time. I have since been contacted by US Bank Fraud investigator, who informed me that not only had the card been sent to a different address ( the fraudulent address that was on the website ) than what I had on file with them, but that the card was also activated by a number that was n't mine. That is, the bank issued someone a card who gave them the INCORRECT phone number and address associated with my name. They in fact admitted that the information received was erroneous, but STILL issued a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts do not belong to me, I have tried to contact the company and have gotten no where, these account are effecting me negatively XXXX Account # XXXX Opened XX/XX/XXXX Balance {$7200.00} Payment {$360.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$7000.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$5000.00} XXXX XXXX XXXX XXXXXXXX Account # XXXX Opened XX/XX/XXXX Balance {$3900.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$1600.00} XXXX Account # XXXX Opened XX/XX/XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. I have never had business or accounts with Account name : I C SYSTEM INC Account number : XXXX or its original creditor XXXX XXXX XXXX I was not living at the address identification number XXXX after checking open dates & calling original creditors. This is hindering my way of life rite now with me trying to obtain transportation. I demand this fraud account be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) Account # : XXXX RE : Inaccurate information I reported this account was reporting inaccurate information. They still did not update the file correctly. I asked for this account to be deleted if it was not going to report accurately. I had several issues on my credit report. They also would not correct my name which is still being reported inaccurately. This account referenced above is showing two different date 's allegedly being reported from one source yet reporting different information. The " Date Last Active '' for Transunion shows XX/XX/XXXX and the " Date Last Active '' on XXXX  is showing XX/XX/XXXX. I filed a dispute they changed some information but it is still not accurate. It is inaccurate and I would like it to be deleted from my credit profile as is does not meet reporting standards. 

XXXX Account # : XXXX I reported this account as showing inaccurate information. It is showing a late payment of 90 days on XXXX of XXXX. Yet on XXXX and XXXX of XXXX payments were reported on time. So the reported information reported shows that I was on time and then 90 days late. 

( Original Creditor : ) XXXX I attempted to correct this account and it stopped reporting the creditors name on my credit report. Also, they re-aged the account to show last active date as XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I had a joint Citibank checking account with my wife, who recently passed away. I wanted to add my 2 adult children to the account so that they could have access to money if something happened to me. Adding my daughter was OK, but they would not add my son, who lives with me, on the account although he had his passport, social security card and a credit card offer from a different bank mailed to him at our address. He also had his Citi credit card issued with his name on it for which he is an authorized user ( I am the primary on that account ). He has a NY Lerners permit, but due to his mother 's XXXX and ultimate demise, he did not take the drivers test and it expired a couple of months ago. 
I have been banking with them for 35 years, have a considerable amount in my accounts and was only trying to take care of my kids. Since he lives with me ( and I pay the bills ), there are no statements mailed to him at our address. 
Is it true that Citibank can not add an adult child as an authorized signer on an existing checking/savings account without " proof '' of address, even if it is the address of the primary account holder?
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 USC 1681 section 604 A section 2 : prohibits the reporting of any experiences and or transactions between XXXX XXXXXXXX and XXXX XXXX the law states that this type of information is excluded from my consumer report and can not be reported to any Consumer Reporting Agency. I would like the aforementioned information to be deleted pursuant to the law mentioned in the above sentence all late payments, and or the account, the Item that is being marked as late and being furnished to a consumer reporting agency. The law is clearly to come into compliance regarding this Account information.
Product: Credit card or prepaid card

My apartment place refused to fix anything since XX/XX/XXXX, including water leak which led to mold and parasites in the water heater. My whole family got really sick. They still refused. I call Chase and said they are not upholding their end of the contract of lease and that therefore I did not get the goods/services purchased ( a safe place to live ) and I want to dispute. XXXX disputed no issues. Chase refuses. {$1100.00} on XX/XX/XXXX. Why should I have to pay for an apartment that isnt safe and made my family sick? My apartment complex threatened eviction and I didnt know I could withhold rent so I paid. They said theyd fix it if I paid, then I did and they refused and cancel work orders and claim none were ever made. So I began paying with credit card even though there was {$70.00} fee so. I could dispute charges later on ( avoiding retaliation from complex ) and Chase refuses and says I shouldve withheld rent. Well Chase, sorry Im not an expert in tenant rights and rental laws. Sorry I was threatened and have a XXXX XXXX XXXX XXXX  to provide shelter for. But now that I am moving out I want to dispute so that they can not retaliate against me and make my familys lives even worse. Chase refuses and I disagree. I didnt get what I contractually was entitled to. So. I want my money back.
Product: Credit card

J.P. Morgan Chase bank chooses to do business with XXXX XXXX, an XXXXXXXX XXXX XXXX They are currently the only financer for XXXX. XXXX pressured buyers to deposit {$5000.00} in XX/XX/XXXX, to secure a position of the first XXXX fully optioned electric vehicles they produced, delivered by XXXX of XXXX. A convenient timeline for VISA to decline any amount charged. To date, XXXX has failed to deliver. They are unresponsive via phone or email, so I ( like many others ) disputed the {$5000.00} charge via Chase. Chase refuses to refund me based on VISA policy timelines. Many other customers ( via social media channels ) have stated that they have been credited by Chase VISA and many other banks for this corrupt business practice and complete robbery. Unacceptable on any level or timeline.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Please remove XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 Bankruptcy 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are reporting an inaccurate account. I sent letters out and XXXX was the only bureau to remove the negative account. XXXX and Equifax have failed to respond with any proof of this account within 30 days. Please remove the following account from my credit report immediately XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with them through the United States Post Office and I sent a certified letter to make sure they receive the documents because it contained all of my personal information. I will link that letter and the receipts here for your convenience and proof. 

Unfortunately I can not tell if they processed my disputes because the two old  accounts which have not had activity on more than 7 years are still on my file affecting me. These accounts are labeled XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The payments statuses are wrong because it states on the account beginning in XXXX that I am currently 180 days or more late and that is not valid because it is past the statue of limitation by law for last activity and it can not be help against me. This account is an FHA government account and has not been in XXXX XXXX XXXX  possession in over 7 years. This information should be deleted, as should the whole account. 

Secondly, I would like to bring to Experian 's attention that account XXXX is also wrong and I would like to have it deleted for premium accuracy please. I have no lates on this account as well in over 7 years and I am concerned here as well why it shows up on my Experian.com monitoring as a late account in my summary section. and FHA loan was taken over for both accounts in 2011 and they can not legally report this as their own. 

WHO DID THE CONFORMING ON THIS ACCOUNT? WHAT INFORMATION WAS CONFIRMED? 
These two accounts have incorrect and outdated information and they are not registering accurately on my general profile with creditors and this is tremendously damaging for me. 

These items were not updated or processed with accurate information after I disputed them and they do not report as being disputed by me. I have no proof that they corrected, investigated or confirmed anything an I am very very frustrated. 

No one here seems to be doing their job and falsely verify information to deter consumers from pursuing the truth and that is not fair and a very abusive and intimidating practice.
Product: Mortgage

In Summary, Banco Popular of Puerto Rico sent information that is not accurate to the Credit Bureaus since I am still disputing a property tax debt with a government agency. Therefore, they were supposed to send accurate infornation after a debt final resolution and not before. Furthermore, to pay this debt the Bank accept an amnesty without my permission. For further details refer to letter attached. THANKS for your attention.
Product: Debt collection

I received a validation letter on XX/XX/2022 from Synergetic Communications.They are representing another collection agency, XXXX XXXX in an attempt to collect on a debt unknown to me. They seem to have checked all the boxes prescribed by the CFPB regarding the format of the letter. What they appear to be doing is attempting to deceive people by : 1. Placing a small paragraph on the back of the letter, in small print, explaining that this loan is uncollectible through the courts because of the Statute of Limitations on the loan. The paragraph is not upfront like the other items in the letter, in an attempt to conceal this information from the recipient. 

2. As this debt can not be collected through the court, Synergetic Communications attempts to stress and intimidate people into a blunder which might cause the debt to be reinstated, thus manipulating people in an unfair, underhanded manner. 

3. This letter preys upon people who are ignorant of their rights, ignorant of the laws that protect them, particularly the elderly. For example, if a person was aware enough to discover the small paragraph on the back of the letter, they might conclude they didn't need to do anything as the debt is " uncollectible '', in court. Synergetic Communications does not go on to explain if they receive no response, other harassing measures will be taken by the company.
Product: Mortgage

What has transpired here is the unwillingness or the lack of fortuitiviness of Select Portfolio Servicing and my mortgage lender to disclose my payment history to the three credit agencies over the past seven years. This has harmed myself and my family immensely and hindered my ability to obtain better funding, Through this better funding existing debit could have been extinguished further improving my F I C A score with the credit agencies of XXXX  XXXX XXXX and XXXX. at present these agencies don't know that im carrying a home loan also
Product: Credit reporting

We have a security freeze on our credit files with all three credit agencies to prevent identity theft. When we want to apply for credit we lift the freeze temporarily for 30 days. Transunion has created XXXX credit files for both of us because they are too lazy to actually lift the freeze when they are requested to do it. The main file with our full history has a good score. The duplicate file has almost no credit history and therefore produces a low score. Instead of actually lifting the freeze as requested and sending out the full file, they send the duplicate that has almost no information. It produces a low score and has resulted in us being denied a refinance on our home mortgage over the last two years with XXXX banks. This has cost us over {$1000.00} in application fees and thousands of dollars in higher interest payments. Credit agencies have our social security number and should not be allowed to maintain more than one credit file per a single social security number. In other words they should not be allowed to create a new credit file just because accessing the correct full file would be a little extra effort due to the need to lift a credit freeze. It took me two years of countless inquiries to learn why my credit score would be reported so much lower than normal range when the banks requested it during my home loan application process.