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

I am a victim of XXXX XXXX, and the information listed below on my credit report is a direct result of that XXXX  In accordance with my rights under Section 605C of the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of the following erroneous information from my credit report : Addresses 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 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 As mandated by Section 605C of the FCRA, please block this information from my credit report within four business days. I also request written confirmation of the actions taken regarding the removal of these items. 
Thank you for your prompt attention to this matter.
Product: Debt collection

we have been doing with capital one for months and we dealt with and XXXX XXXX and had no kind of resolution with her because she would tell us one thing and it was something else then I found XXXX complaints with the XXXX office and received letters from XXXX XXXX who every time we called it was a busy signal so there was no communication and they claim they called but left no messages so we did not know what was going on now they select a collection agency one day and were sick of this without eating any kind of proper communication with Y we are ready to sue so this is our last resort we want to settle this but every time we call XXXX XXXX XXXX there 's a busy signal a capital one headquarters in Virginia we are tired of being XXXX over and being the blame so something needs to be with the way that they so call communicate with people
Product: Mortgage

We are exempt from paying county, city and school taxes. I submitted the necessary documentation to the mortgage company XX/XX/2022. As of today, XX/XX/2022, they refuse to adjust our monthly escrow payment to reflect the exemption. I called them on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and today, XX/XX/2022. Each time I called, I was told by the representative that the exemption documentation was on file and " an escrow analysis had to be done '' and it would take 2 weeks for the adjustment to take place.
Product: Debt collection

XXXX from OneMain Financial in XXXX, Kentucky has been asked several times to stop calling my place of employment and my personal cell phone. I have enrolled in a debt settlement program and they have also contacted him to stop communications with me that they handle the matter now. He went as far as coming to my home this Saturday XX/XX/XXXX around XXXX. My husband answered the door and told him I was not home but he kept insisting my husband was lying because there was XXXX vehicles in the driveway. He has since continued to call my phone 3 and 4 times a day as well as calling my place of employment at least twice a day if not 3 times some days. My boss has even asked the calls to stop at work but they continue! It is affecting my job now and this has gone to far!
Product: Student loan

The lender Navient solutions inc. has been ripping students off on a daily basis and I happen to be one of them.They reported that I owed them outrageous amount of money from school I attended back in 2010 ( XXXX XXXX XXXX XXXX ). They failed to apply my monthly payments to my total account balance and were constantly harrassing me on phone when I dropped out of the program.They totally ruined my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have previously reported to Experian, XXXX and XXXX that I was a victim of identity theft, and I have provided a police report and an identity theft report under penalty and perjury along with a sworn affidavit. According to 15 U.S. Code 1692 and 15 U.S. Code 1681s2, as a credit furnisher, Experian, XXXX and XXXX are obligated to conduct a fair, thorough, and accurate investigation into any disputes regarding my credit information. Despite my efforts to provide sufficient evidence that my personal information was fraudulently used to obtain credit, Experian, XXXX and XXXX XXXX only acknowledges that my information was used but fails to verify that I, in fact, applied for credit with XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX 
Given the seriousness of this matter, I demand that Experian, XXXX and XXXX immediately remove any and all items related to this identity theft from my credit report. 
I would also like to bring to your attention a concern regarding a breach of my personal information. My private data was compromised in the XXXX and XXXX data breaches, and I have recently discovered that your company is also disclosing my non-public information to an unaffiliated third party. This unauthorized sharing not only exacerbates the risk to my personal security but also constitutes a violation of XXXX XXXX XXXX XXXX, which mandates the protection of consumer information by financial institutions. I urge you to address this issue promptly and ensure that my data is handled in full compliance with the relevant privacy laws. Experian, XXXX and XXXX Does not have my permission to use my XXXX name. They are infringing on my XXXX name.
Product: Credit card or prepaid card

I was checking my credit score and credit report when i saw i had a {$500.00} credit limit on a card i never applied for in utah! Ive never lived in utah a day in my life!!!! There have been payments and an active card in my name for the last 4 years!
Product: Checking or savings account

Attempted to open a Kabbage Business Checking account in XXXX, but was perpetually asked for additional documents. Log-in for the application was through American Express XXXX 

I notified Kabbage in early XXXX that I wanted the account/application removed if it could not be opened. I was told that it would be removed within 5 business days. After this period had elapsed, the account/application was still open. After a dozen calls to AmEx and Kabbage, the account/application is still open, both parties refusing to take responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureau Experian in regards to information shown on my credit report. I have stated that that all but my current address should be removed from my report as they don't belong to me as well as a second SSN found and several allies. they have failed to update my record as requested
Product: Checking or savings account

On XXXX XXXX, I was pickpocketed in a night club in XXXX around XXXX, and my credit card, debit card, driving license, green card and XXXX were stolen. I only noticed the cards being missing around XXXX when I woke up and I immediately called to cancel them. XXXX XXXX refunded the amounts that were charged from my cc but TD bank ignored all my requests to refund the amounts that were charged on my debit card, claiming the thief had my passwords which is complete none sense. The thief also took money from the atm and I am very mad on TD for allowing it happen and then blaming me for it. I have filed a complaint with them 3 times and each time was denied without explanation and I had to approach them again to know that I was denied. 
The total amount that was taken is XXXX $ which is huge for me and was almost 80 % of what I had in my account. I filed a complaint at the XXXX XXXX police but unfortunately they didnt start to investigate and the bank didnt care.
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 XXXX XXXX Card : # XXXX, XXXX : # XXXX, XXXXXXXX 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 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 or other personal consumer reports

I am writing to demand the removal of XXXX XXXX Account XXXX from my credit report. XXXX XXXX informed me that they had been told the credit agencies to remove this account from My Credit report due to the inaccuracies ; however, it was never removed from Equifax or XXXX. This account must be disputed and removed from my credit report due to all inaccuracies.I have submitted multiple fraud reports for this account to be removed and disputes. XXXX customer service requested for me to turn in the full FTC report in order for this account to be removed due to Fraud. That has been done. I attached the full report to this letter. By law, an FTC works when fraud is involved and the account needs to be removed immediately. We go by the law. 
Previously, this account has been removed for fraud and re-added because XXXX XXXX illegally changed the account number for this account. I contacted XXXX customer service on the phone and they thought this was a brand new account. Please review my XXXX XXXX account history and you will see that this is the same account that was previously removed by XXXX, just with new account numbers. 
These items were deleted and you added them back without sending me a letter informing me that it was added back within the 5 day legal time frame after you added it back. You also never provided me with the information used to validate this fraudulent account account to 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This account must be removed immediately. If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this horrific injustice regarding my credit report through a lawsuit. 
Secondly, THIS ACCOUNT IS REPORTING TWICE TO MY CREDIT REPORT AS I HAD PREVIOUSLY DISPUTED THAT AS WELL. THIS SAME ACCOUNT IS SHOWING TWICE ON MY CLOSED ACCOUNTS. 
I AM READY TO SUE AS I HAVE DONE MY BEST WITH BEING PATIENT WITH XXXX XXXX AND THE CREDIT BUREAUS. 
REMOVE THIS ACCOUNT FROM MY CREDIT, SHOWING IT TWICE IS A COMPLETE VIOLATION. THIS ACCOUNT HAS COSTED ME TOO MANY LOSSES
Product: Checking or savings account

On XX/XX/2020, I mobile deposited a check in the amount of {$2600.00} into my Hancock/Whitney personal checking account from XXXX XXXX XXXX. I took two images front and back over my mobile phone. I patiently waited for the funds to clear into my account. On XX/XX/2020, the funds were not available. And there was not an image of the check just a description saying the Institution was Hancock/Whitney. On XX/XX/2020, I called Whitney Bank to see if the funds were deposited into my account. I was told from an agent the funds would not get deposited into the account until XX/XX/2020. I didn't ask any questions. On XX/XX/2020, I received an threatening email stating they will charge me return check fees if XXXX XXXX does not pay the funds of the check. I have a personal checking account with Whitney Bank so I should never get charged for returned check fees for a checks. I patiently waited for my funds to get deposited into my account. I still don't have a clear image of the deposited check into my account. On XX/XX/2020, I received the funds deposited into my account. I waited an entire week for the funds to clear which is ridiculous for any one that personally bank with this business. I called to inform them that the check image was still not showing up in my account. I was put on hold for another agent. And the second agent just left me on hold. For more than two years, I have been correcting the errors that are made by the people that work for Hancock/Whitney Bank. I call the customer service line and get mistreated with getting my calls transferred more than two or three times per call. Sometimes my call never get answered. I get rude threatening emails. I receive postal mail from Whitney Bank with my name spelled wrong and I have made formal complaints to the company as well as Consumer Finance. It's very clear that they are retaliating against me. And I think it's very unprofessional for adults to conduct themselves in a childish unprofessional manner.
Product: Checking or savings account

A deposited {$55.00} check to PNC checking from XXXX XXXX was erroneously returned. I resolved the issue with XXXX and explained to PNC the error by XXXX. By returning the deposit of {$55.00}, transactions were returned, assessed {$36.00} return as well as return deposit fee of {$12.00}. 
Now, on XX/XX/XXXX, a deposit to PNC checking for {$150.00} was placed on hold and still on hold today XX/XX/XXXX. This profiling my account by holding the deposit amount has caused returned items and additional {$36.00} fee. 
My account is still held in an overdraft status due to the hold. PNC has held deposits, without cause, prior to this because of coding or profiling and I had to file a complaint and go through hours of proving that particular check, from a Money Order refund, was valid. Millions of checks are deposited by customers but my deposit was coded. 
On XX/XX/XXXX, I received a letter from PNC stating a 5 day hold was placed on the {$150.00} deposit. The reason was information from paying bank indicates check may not be paid. This is false as there were more than sufficient funds in my XXXX XXXX account. There could not be such an indication and PNC is wrong on this and sending me false information. 
The check for {$150.00} cleared my acct at XXXX XXXX on XX/XX/XXXX. 
I expect the fees 2 x {$36.00} and {$12.00} return deposit fee be refunded. 
I am opted into the Overdraft Protection, however, PNC chooses not to pay the transactions. 

I expect a refund of at least {$82.00}, the hold removed immediately and my account brought to a positive balance. I also expect to have special treatment and profiling my account removed.
Product: Consumer Loan

I purchased a vehicle from  XXXX   XXXX  and was set up with financing through  Credit Acceptance. I   was told I was getting financed on {$18000.00}. If I go through full term of the loan I will be paying them over  XXXX  for a vehicle that is only valued through   XXXX  . at {$8400.00}. Now when I try to refinance the vehicle I am getting denied due to the loan amount exceeding the value of the vehicle. This is not right for a business to do to somebody who is already low income and struggling to keep his family a float.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX XXXX {$1200.00}, XXXX XXXX {$1600.00}, XXXX XXXX {$3800.00} XXXX XXXX {$0.00}, XXXX XXXX {$1300.00}, XXXX {$9800.00}, XXXX XXXX {$700.00}.
Product: Credit reporting or other personal consumer reports

XXXX & Equifax continue to report several late payments on the account lister as XXXX XXXX XXXX Account # : XXXX there is no way the consumer agencies verified these late payments because this means they would have access to my personal financial records which would be against the law as I have a right to privacy. Update these late payments as paid as agreed or provide the evidence used to determine I was indeed late. 

( 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 maXXXX 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: Debt collection

How could you update a balance on an account thats already been closed? 

XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To, whom it MAY concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate noncompliant, and false information about me. The following alleged accounts is listed as a collection with a PAST DUE BALANCEs. 

This is a violation of the FCRA and is also in Violation of requisite METRO 2 compliant reporting standards By the provisions of the Fair Credit Reporting ACT and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate compliant, and verifiable. I demand that the above mention derogatory items be investigated and permanently removed from my report. 

XXXX XXXX Reporting Balance : {$5300.00} XXXX Bank Card Services Reporting Balance : {$3500.00} XXXX Bank Reporting Balance : {$8000.00} Please update my personal information accordingly ; thank you for your kind attention to this important matter. I patiently await your reply.
Product: Credit reporting or other personal consumer reports

I am submitting to address the matter of the alleged debt associated with my items. After careful examination, I have become aware that this debt has been re-aged, a practice that is both unethical and in violation of consumer protection laws. Consequently, I demand the immediate deletion of all records pertaining to this re-aged debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Re : Case number : XXXX I purchased two Vanilla Visa Prepaid Card in the amount of {$500.00} each on XXXX I could not registered the aforementioned prepaid cards because the numbers were scratched off of both cards. I immediately called the number provided on the card ( XXXX ) and had the cards frozen. I was informed by a customer service representative that the card was inactivated due to them freezing it due to it being compromise. I was asked to email pictures of the cards front and back, my personal ID and the receipt to XXXX which I did right away. Called on : XXXX was told 30 days from email Called on : XXXX case is still ongoing expect info on XXXX XXXX  XXXX Called XX/XX/XXXX told not resolved and to call back in XXXX hours and it will be determined because XXXX was Escalating the case Called on XX/XX/XXXX spoke with XXXX will be getting card within 7-10 business days, so by XX/XX/XXXX. Two Cards will be in the amount of {$500.00}. It will come to my home address. It is now XX/XX/XXXX and no cards have arrived.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two inquiries that were placed on my credit report on XX/XX/XXXX from KOHLS/CAPONE and on XX/XX/XXXX from CABELAS/XXXX, I sent the credit bureaus a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All that I received from XXXX and XXXX was a copy of the credit report saying that this company verified or validated these two inquiries. What I received from the credit bureaus is not enough to validate these inquiries. I received the copy of the credit report on XX/XX/XXXX, this applications were submitted fraudulently.
Product: Checking or savings account

My BF took my debit card and my phone on XX/XX/XXXX without my knowledge because I was not home at the time because I was at my neighbors house. 

When I realized he had my debit card I went on the app of my spare phone and changed my pin and locked the card. 

He withdrew XXXX, XXXX, XXXX, XXXX, on XX/XX/XXXX and XX/XX/XXXX. 

I cancelled my card and had a new one issued. I disputed the transactions with chime because it was not me and it was unauthorized. 

Chime originally gave me a provisional credit on XX/XX/XXXX but revoked it on XX/XX/XXXX. I gave chime my feedback that they came to the wrong conclusion and that I notified them of the suspicious activity and cancelled my card and they could care less.

I know this is not a lot of money to some but it is to me. I feel chime should credit this to my account.

This activity took place in a location where I was not and my phone call to chime and my attemps to change my acct info should reflect this in the IP address.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name RESURGENT/LVNV FUNDING Account Number XXXX Alleged Amount : {$650.00} RESURGENT/LVNV FUNDING has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), however, you placed a collection on my consumer report. As a result, I am unable to secure much needed credit.

Additionally, I have not been afforded my right as a consumer to dispute this account according to 12 CFR CFR 1006.34 ( c ) ( 4 ) ( I ).

Furthermore, the information provided to the credit agencies is a violation of my consumer rights by using misrepresentation and deceptive means.

Lastly, a collection agency has no authority to furnish any account to the consumer reporting agencies without providing any and all disclosures required by law. The collection agency is in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681S ( 2 ) ( 7 ) ( a ).

I am disputing owing any and all debts and demanding that you cease all communication with me or any other party regarding me.

Additionally, I need a copy of the purchase agreement between you and the original creditor as well as proof that you are licensed and bonded. 


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