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

I called SunTrust Bank to report that an alert from my XXXX credit monitoring said someone had opened an account in my name. I did not open the account and the representative " XXXX '' confirmed the account was still pending and that she opened an identity fraud case for me and will close the account.
Product: Credit reporting or other personal consumer reports

Dear Experian Credit Bureau Executive Office, I am writing to request the removal of the account with XXXX XXXX  ending in XXXX from my credit report. This account and its outstanding balance do not belong to me ; they are the result of identity theft and fraud. I have disputed this matter multiple times, yet the account has consistently been reinserted. I have attached the removal letter from XXXX XXXX  and have also submitted a dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding this incorrect information on my credit report. 

XXXX has repeatedly violated the allowable time frame for resolving and correcting these issues. Therefore, I request the immediate removal of this inaccurate information and prompt attention to this significant matter. All other credit bureaus have already removed this account, and I need this ongoing issue resolved as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX -- - Below is a copy of the information that needs to be removed from my XXXX credit report : *XXXX XXXX This account is currently under dispute **Account Information** - **Account Name : ** XXXX Bank - XXXX Number : ** XXXX - **Account Type : ** Credit Card - **Responsibility : ** XXXX - XXXX Opened : ** XX/XX/XXXX - **Status : ** Account charged off. {$7500.00} past due as of XX/XX/XXXX. 
- **Status Updated : ** XX/XX/XXXX - **Balance : ** {$7500.00} - **Balance Updated : ** XX/XX/XXXX - **Recent Payment : ** - - **Monthly Payment : ** - - **Credit Limit : ** {$15000.00} - **Highest Balance : ** {$7500.00} - **Terms : ** - - **On Record Until : ** XX/XX/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 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 ( No data for this period ) **Payment History Guide** - Charge Off as of XX/XX/XXXX, XX/XX/XXXX - 150 days past due as of XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX -- - Let me know if you need any further edits! 
XXXX attachment Scanned by 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, XXXXDEPT OF ED  : 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 an account without my written instructions. No reporting agency has my written permission to furnish any accounts. 

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 or 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.

15 U.S.C. 1666 ( b ) states : 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: Vehicle loan or lease

In XXXX I went to the car dealership, Hyundai motors, with my now ex-fiance we were trying to purchase a car. He did not qualify for the car based on credit. I originally told the salesman that I did not want my credit pulled by multiple companies and didn't think I should have qualified at all due to my XXXX and I already had a car payment. The next thing I know my credit was indeed run through several different companies and I am assuming I didn't get approved with any of the other companies. So they looked into in-house financing and said that got me approved. I felt really uneasy about this because I knew that the payment was extremely too high. The salesman kept applying pressure saying well your fiance can make the high payments and in a year you all just come back and we can do a refinance. I still felt uneasy about going through with this but the salesman kept reassuring me that this will be fine. 

I really felt like this was predator lending because I should have never qualified for the loan and fact the salesman knew the payments were really high based on my XXXX and they never verified my income. On top of adding pressure on the vehicle. The Salesman should not be able to apply pressure on someone when they don't feel easy about a purchase and should have said to think about it and let me know.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 

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

n accordance with the Fair Credit Reporting act XXXX acct # 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 XXXX accordance with the Fair Credit Reporting act XXXX  Acct. # 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 XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 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 n accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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 XXXX accordance with the Fair Credit Reporting act XXXX XXXX Co Acct 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 n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct 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 XXXX accordance with the Fair Credit Reporting act XXXX XXXX Acct 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 XXXX accordance with the Fair Credit Reporting act DEPT OF ED/XXXX Acct XXXX, ACCT # XXXX, ACCT # XXXX ACCT # XXXX, ACCT XXXX ACCT # XXXX, ACCT XXXX ACCT XXXX ACCT XXXX ACCT 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This unconfirmed accounts listed below continued to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX  XXXX Balance : {$9900.00} ; XXXX XXXX XXXX XXXX XXXX {$26000.00} ; XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXXXXXX XXXX Balance : {$28.00} ; XXXX  XXXX XXXX XXXX : {$34.00} ; XXXX XXXX Balance : {$2000.00}
Product: Debt collection

I saw a new inquire on my credit report company name is Resurgent LVNV Funding it said i open an account on XX/XX/XXXX XXXX  for the amount of {$1600.00}. I wasnt aware that i had an account with them. I never received any written notification from this company informing me of these charges nor have this company giving me the opportunity to validate these charges as well. They just add it to my credit report without my knowledge.Can you please help me?
Product: Debt collection

Have no knowledge of the account. I neverd signed a contract or made a agreement. Can I get a letter of validation and please delete this from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices which violates The consumer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measure to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore Their dispute Resolution process was unfair and deceptive as they did not comply with their error resolution requirements Under the electronic Fraud transfer act ( efta ) and regulation E these actions have caused Significant inconvenience and financial loss I seek appropriate redress for these violations
Product: Credit card

I paid off my credit card on the XXXX of XXXX, I paid in full, and now I 'm getting a bill from the credit card company for finance chargers for the month of XXXX.
Product: Checking or savings account

I took my dad to open a new account We are having trouble with my brother abusing his POA his POA has since been revoked. When we got to the bank an XXXX XXXX offered to help. She asked my dads name and asked who I was. I replied im his daughter. She announced my name XXXX XXXX stuck her hand up in my face and said she wouldnt be opening any accounts for me today. I advised her I was there with my dad. She then told my dad he didnt need to change his account and sent us on our way. When we got home my dad was mad and said he wanted his money and wanted to close his account. So we went back to the bank. He walked up to XXXX at the window and told her to close his account. XXXX come running out of her office waving her arms yelling stop. She would not be closing his account and they were not accepting the revocation of the POA. Seems she has some kind of relationship with my brother. The next morning I woke up to a knock on the door. She had called the police and wanted me arrested for trying to still my dads money. This is just a start to what has happened. I have called the bank twice and no one has ever returned my call
Product: Mortgage

I recently refinanced an existing mortgage that was sold to XXXX XXXX. XXXX XXXX then placed this loan with the servicer, Arvest Central Mortgage. Arvest charges {$5.00} for each payment  voluntarily made electronically online and {$10.00} over the phone by the customer in order to push customers to sign up for automatic debits from their checking account. This is quite high and unusual in my experience and different from what I had previously seen from other mortgage servicers ( XXXX XXXX, XXXX XXXX ). I don't understand why I should have to pay for such costs when I have no control over who my loan has been sold to and who services the loan. These were not disclosed to me at the time my loan was sold to XXXX XXXX. 

In any event, I signed up for automatic debit from my checking account. The first payment was due XX/XX/2020. I repeatedly checked for the payment throughout the day. It did not show any status update in their system. This morning, I checked my checking account and found that Arvest had debited my account twice - that is, they made the first two mortgage payments ( the second of which is not due for another month ). I received no notice of this nor authorized this second payment. 

I have contacted the company. However, in my many years of having dealt with other mortgage servicers, I have never seen a financial institution fail to have a system in place that could let you know the status of the loan, the status of the current payment and notice of what they intended to pay. Given I have no control over the automatic debits, I am now at their mercy to get this right. While I was able to cover the additional cost this time, I consider this abusive. Moreover, I imagine this could lead to significant overdraws or non-payment and fees from anyone that does not carry a significant cash balance in their checking account. From the comments I've read online on Arvest, this seems to be a consistent problem and hope that the CFPB will look into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX Bankruptcy Reference # : XXXX Date File : XX/XX/XXXX US SM BUS ADMIN ODA Date of inquiry XX/XX/XXXX XXXX XXXX I Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiryXXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Inquiries that are being challenged XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX - XX/XX/2022
Product: Credit card or prepaid card

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Checking or savings account

My Bank of America account was closed for possible fraud and now I can not open a new bank account anywhere else I tried to dispute this when it happened and didnt get anywhere now its affecting me being able to open a account
Product: Credit reporting

transunion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been greatly affected and my score is suffering as a result. No notice was ever given which is also a violation and i am requesting that ALL inquires be removed.
Product: Debt collection

Company in question : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA Phone : XXXX, XXXX Email : XXXX Individuals spoken to : XXXX XXXX, XXXX XXXX Complaint : Got a call from this company regarding unpaid debt on Citibank Account ending in XXXX. If not paid then and there, was told I was gon na be taken to court and charge for court fees and other legal fees on top of debt owed. They somehow got my credit card info and charged an amount of {$2700.00} without my consent. 

However, this account was originally settled in full with XXXX XXXX XXXX XXXX XXXX ( now XXXX XXXX XXXX ) and I got a letter from them stating the same. 

I think this is a fraudulent company and scammers trying to reach out to victims like me and take advantage of our ignorance. Please investigate and do the needful in helping others not falling into preys of these scammers.
Product: Checking or savings account

Had a PNC virtual wallet account that was in good standing, and I closed it over 2 years ago, in person, at the branch. I kept, however, getting statements that showed a {$0.00} balance and notices from PNC that my account address had changed after every time I moved, and every time I called PNC bank they told me that their system had been undergoing maintenance, so they were unable to even locate my account, let alone close it. 1 year ago the representative assured me that my account was closed, but today I got another letter from PNC bank telling me that it was to " confirm an address change request submitted by you or a joint account holder either to PNC directly or through the US Postal Service. ''
Product: Payday loan, title loan, or personal loan

After negotiating a settlement and paying such settlement, they refuse to close accout and mark as settled. 
Credit report show s open and XXXX blance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get e loan for school from my bank end I was not approved. I got a copy of my credit report finally and there are things on there that are not mine. I was advised 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 AND XXXX/XXXX. Please remove these accounts from my credit.