23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I demand an immediate and thorough investigation into this matter. Why, after providing evidence, going through the dispute process, and supposedly resolving the issue with your bureau, does another fraudulent account appear on my credit report? This egregious oversight not only reflects a failure on your part to protect consumers but also demonstrates a severe lack of diligence in maintaining the integrity of credit reporting. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. It is utterly unacceptable that your bureau, entrusted with the responsibility of accurately reflecting consumers ' credit histories, would allow yet another fraudulent account to tarnish my credit report after I diligently followed the necessary steps to dispute and remove the previous fraudulent entries. 
XXXX  XXXX XXXX XXXX PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable XXXX XXXX XXXX XXXX  XXXX - PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I insist that you promptly rectify this situation by removing the newly reported fraudulent account from my credit report and provide a comprehensive explanation for this blatant error. This occurrence is not only damaging to my creditworthiness but also indicative of a systemic failure within your organization. 
The continuous appearance of fraudulent accounts on my credit report leaves me with no choice but to question the competence and reliability of your bureau 's reporting practices. This negligence has severe consequences for consumers and undermines the very purpose of a credit reporting system.
Product: Credit card

I made a purchase online after receiving several print and email advertisements for XXXX  % XXXX  months for purchases over {$1900.00}. I made a purchase for {$2400.00} and entered everything I thought they needed to make that happen at time of purchase on XX/XX/year>. I logged into my credit card account today and notice that I only have XXXX months no interest for that purchase. I write a message to support and they respond with a lengthy message that inevitably leads me to hand typing in information that they already have so that I can request the terms I thought I already signed up for. I type the information in exactly how they wanted it, and then they respond with telling me to go somewhere on their site to look for a phone number to support so that I can call and speak to a representative. I call the phone number after locating it and it is completely automated with no way that I can find to get anyone on the phone. Frustrated I go back to the site and send them another message demanding what they are advertising. I have been through this mess twice now, which seems illegal. I've played by their advertised rules twice, and each time they have made it extremely difficult to get what they are advertising.
Product: Credit reporting or other personal consumer reports

This collection XXXX XXXX XXXX account XXXX XXXX gas of XXXX  regional  creditor I called the company that was reporting incorrect information on my credit report and asked them about the collection. I requested validation of debt or anything proving that this collection belongs to me. They said that they couldnt provide me with anything I gave them all the information for riding me and they said that none of the information I gave them match the collection account so they were going to remove this collection because clearly it was a fraudulent collection and they removed it from my credit report and then placed it right back on there
Product: Checking or savings account

On XX/XX/year> I called to close my personal savings account with Capital One which I have had for many years. At that time I spoke to XXXX, employee # XXXX and he took my account #, verified my address and said I would receive my check in the amount of {$830.00} in 7-10 business days. Yesterday, XX/XX/year>, I have yet to receive the check. I called to find out the status of the check as it was now XXXX business days since the account was closed. I spoke to a XXXX, XXXX, employee # XXXX who told me that to find out the status of my check that I would have to answer a text with a code. Now, conveniently, giving them my account number was not good enough because the account is closed. I told him I do not do texting. I find it impossible to believe that once an account is closed that their computer system " loses '' all transactional detail and historical information about an account. I did everything to identify myself just to find out the status of my money and why it was a week late. He then told me there was nothing more he or Capital One could do to tell me when I would receive MY money. They are holding MY money XXXX, without earning additional interest, and are not willing to help me any further. It is no wonder I closed my account with Capital One as they not only did not get me my money as promised but also refused to help in locating my funds. I need to get MY money. I am not asking for anything further. I hope you can help. Thank you.
Product: Checking or savings account

On XX/XX/XXXX, my checking account was hit by fraudulent withdrawals. Even before the fraudulent transactions the bank sent me a text asking if it was me authorizing these transactions. I replied " NO ''. The funds were still allowed to be withdrawn from my account. A total of {$480.00} dollars at first. I called the fraud department immediately. I was levied because I keep dealing with these fraud and identity theft issues for years now. And, no one is willing to help you. 
After, reporting the thief to TD BANK. They closed my debit card and assured me they would take care of the matter. The situation just got worse. Because literally a few days later my account was hit again totally emptying out the whole checking account on XX/XX/XXXX. Stealing my paycheck and XXXX payment. A total over {$2300.00} was stolen from a company I've never had an account with in my life. A loan company called XXXX. 
TD BANK only returned {$630.00} of my money after telling me repeatedly that I should see the rest of my funds soon in my account that they blocked. I had to make a new account and I went into the branch and had a new debit card made. TD Bank then allowed the new account to be breached as well. These thieves cashed ( XXXX ) XXXX insurance checks that was electronically deposited. That TD flagged as fraudulent after cashing them and charging me twice {$15.00} for returned check fees. They sent copies of the checks. They literally have no real signature. A electronically printed signature. My hand writing is chicken scratch. So, obviously not me. They closed my new account and stopped doing business with me. Refusing to allow me access to my statements so I can make a police report with some solid evidence. TD Bank, XXXX, XXXX, and XXXX  XXXX XXXX are telling customers they protect your accounts from " fraud ''. Totally not true. They do everything in their power to rob the consumer as well. 
My employer uses a company called XXXX  for pay. I've had to result to using them. And, they allowed this XXXX company to withdraw over {$1700.00} from my account. I'm in a battle with them to return my funds. I most likely will be evicted from my home because of being totally robbed while working myself to death to build a life for myself. And, someone is literally destroying my life with all this thief. I'm totally broke. I need immediate help. No one is doing anything about these banks. I must note that all my problems began with TD BANK. THEY WERE MY FIRST BANK ACCOUNT. ALL OF THIS BEGAN WITH THEM AND I SHOULDN'T HAVE RETURNED TO THEM FOR BANKING. PLEASE HELP! I'VE TRIED REPEATEDLY TO GET XXXX  TO RETURN MY FUNDS. AS WELL AS TD BANK. I'M AFRAID I MAY NEVER BE ABLE TO BANK AGAIN.

Also, my paperwork is limited because the banks encourage paperless statements. Now, I know why. So, it's harder for you to have statements in hand. When they closed my accounts and blocked them. I was unable to access my statements. Therefore, limited evidence for you to challenge them. I have limited documentation. But, it doesn't make my ordeal less true. Beware of the banks. Some of the thieves are working inside. In my opinion.
Product: Credit card

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I have spoken with all three agencies, XXXX, XXXX, and Equifax and asked for an investigation and reported that these accounts contain -fraudulent activity : Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : US DEPT OF EDXXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the payment history. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE UPDATED IMMEDIATELY IN THE PAYMENT HISTORY TO PAID AS AGREED, PAID ON TIME, NEVER LATE. AFTER THIS INVESTIGATION, UPDATE THESE ACCOUNTS ON MY CONSUMER REPORT TO PAID AS AGREED, PAID ON TIME, NEVER LATE ( XXXXXXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- TO YOUR COMPNAY I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING INCONSITANCIES IN THE DATE OF LAST ACTIVITIY. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. ( XXXX XXXX ) ( XXXX XXXX  ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX )
Product: Credit card or prepaid card

US Bank ReliaCard : Dear Sr. or Madam : My name is XXXX XXXX XXXX. 

I Do not agree with the resolution to my case ( Dispute Claim # XXXX ). I did not transfer the money to this individual XXXX XXXX. This person change all my personal information, in the banks website. I could not used my user ID or password to get into the banks site. After I had a new password and user ID, I looked on my personal information. My personal information was different. It had a new e-mail ( XXXX ) it had a new cell number from XXXX # ( XXXX ) XXXX. The bank needs to investigate further to resolved this issue. I have waited for more than a year and I want my XXXX dollars back. I have already send all the information that it was required of me liked my current ID, W2 form, SS #, and police report. I do not know what else do I need to do to resolved this fraud.
Product: Mortgage

XXXX XXXX XXXX I have documented over 30 times in these dates I have requested customer service, call with president as stated on there website I have suffered a total loss Fire ins Claim, the Ins company send checks made out jointly with mortgage company, they are sent to mortgage company ( tracking numbers ) and Roundpoint holds checks does not communicate clearly on whats missing, whats needed or status of checks, they're response is always 30 days we will get back to you, They sporadically respond if at all with a call or vague letter that's no help Even supervisor if the rude customer service will transfer you ( they refuse multiple times ) doesn't call you back, even after assuring they would return call The delay and non communication is causing my family and finances serious distress as we are living displaced trying to get home rebuilt
Product: Bank account or service

On XXXX XXXX/XXXX/2015 a duplicate charge was posted to my account by vendor XXXX. My complaint is against Chase Bank debit card services. They were notified the day of the disputed charge by monitored phone call and in writing. The vendor XXXX had issued a credit on Monday XXXX XXXX, 2015. Chase was with holding our funds. Chase stated on Tuesday XXXX there was no credit coming into the account and the vendor did not send a credit to our account when XXXX had already contacted Chase Bank and notified that there had been an issued credit on Monday. I spoke with XXXX corporate department. The duplicate charge was for {$220.00}. Chase refused to put a stop payment on the duplicate charge even though it was a pending charge and I was willing to pay for a stop payment to release some of our partial funds. Even if our credit to our account is resolved at some point I would like an inquiry into Chase business practices with emphasis on ATM/Debit transactions. Our account number is XXXX under the name XXXX and XXXX XXXX. 
XXXX XXXX Phone : XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite three written requests to TransUnion that they are reporting inaccurte information on my credit file, Transunion refuses to do a complete and accurate investigation. My last dispute to TransUnion was sent on XX/XX/2018. TransUnion sent me back the results to their investigation on XX/XX/2018 stating in writing that they verified the accounts are being reported correctly? TransUnion is reporting my XXXX XXXX account as a {$300.00} FHA loan included in a XXXX bankruptcy. This account should be a closed credit card in good standing. TransUnion is also reporting my XXXX XXXX XXXX auto account included in a Chapter XXXX bankruptcy. This account should be closed in good standings. I have never filed bankruptcy.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681 c -2 a consumer reporting agency shall block the reporting off any information in my file of a consumer identifies as information that resulted from an alleged identify theft not later than XXXX business days after the dates receipt I HAVE ATTACHED MY FTC REPORT TO THIS COMPlAINT TO PREVENT FURTHER STALL TACTICS FROM. ****** this is so unlawful ****
Product: Mortgage

BMO purchase Bank of the West but is not supporting account holders in getting this document. It is not available on client portal site. Nobody on phone seems to know how to get it to me. I've spent hours on the phone for this very simple request.
Product: Student loan

Hello, Im contacting in regards to my closed student loan account listed on my XXXX  and XXXX credit report. 

I did contact and try to dispute the account about a year ago on XX/XX/2018 but was informed I could not as it was only 6 years and to wait the 7 year mark. 

It is now 7 years and 7 months and I was trying to see if I could now get this account removed. 

I was not allow to resubmit my dispute again so I was referred to contact the company this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus XXXX XXXX, XXXX, and Experian ) stated that the following accounts and inquires was properly investigated. How can the problems be properly investigated without the bureaus know that ; the open dates are inaccurate, the date last active is inaccurate, and date last reported are inaccurate. This ground for removal immediately. They also violated multiple rights under 15 U.S.C. 1681 laws. In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account Number XXXX XXXX, Account Number XXXXXXXX XXXX Account Number XXXXXXXX XXXX, Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX, Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/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 ) : no consumer reporting agency may make any consumer report containing any of the following items. 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

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off, late closed and collections. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Names : XXXX XXXX and XXXX XXXX ; Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : XXXX XXXX Date Opened :, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account 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 accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX has been violated pursuant to Exclusions statue 15 U.S.C 1681a ( 2 ) ( A ) ( iii ), and Notice Of Requirements statue, 15 U.S.C 6802 ( a ), ( b ) Opt-Out ( 1 ) ( A ), ( B ), and ( C ) ; As a federally protected Consumer, I have a right to privacy, pursuant to abusive practices statue, 15 U.S.C 1692a and anything I deem private is in fact private. According to U.S.C 1681a ( 2 ) under Exclusions " consumer report '' does not include ( i ) ... information solely as to transactions or experiences between the consumer and the person making the report ; Transunion, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated my consumer rights to privacy, pursuant to the above statues. Additionally, I was not disclosed of my right to Opt-Out pursuant to 15 U.S.C 6802 ( b ) ( B ) as a federally protected consumer, I never gave written instructions or authorization to ANY information furnisher or reporting agencies to publish any information. These accounts are also in litigation, initiated by myself. I want Transunion to delete this information and to be accountable for their illegal actions.
Product: Checking or savings account

I am trying to connect my checking account to a grant program for my small business. It is for the Pennsylvania Small Business Relief Fund. PNC is preventing this connection.
Product: Debt collection

XX/XX/2019 I was contacted back by 1st Point Collection Agency concerning Complaint # XXXX which outlined to send more info which was last 4 of ssn. On XX/XX/XXXX I mailed copy of my ssn and NC State ID to 1st Point Collection Agency. As of XX/XX/XXXX I have not had any contact with the collection agency. I contacted Consumer Financial Protection Bureau and was advised to start another complaint concerning that 1st Collection Agency has not responded to my previous complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was exposed on line around XXXX XXXX XXXX. there was multiple fraudulent accounts. that was opened or attempted to be open. after filing police reports and identity theft reports. i was able to clear most of the fraudulent accounts up. form the consumer reporting agencies. but XXXX XXXX XXXX XXXX XXXX is refusing to remove XXXX of the hard inquires that was unauthorized and fraudulent. with many attempts to clear this up. they are still refusing.