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

On XX/XX/12 i get an email that my account is frozen and that i need to fill out a webform. I did not trust the email and I called immediately. I got a generic response that my account was frozen due to security reasons and nothing further. I was told account would be unfrozen within a half hour. Next morning I call after account still frozen. Im told i need to fill out webform which I do and that account would be unfrozen within 3 business days. Well its past that. Its the holidays and I need access to my funds. I can not go into a local branch as this is an online bank. How does a bank freeze my account and not have to provide a reason or a timeline to correct it? I asked for a supervisor several times and never got one. This bank has terrible customer service and should not be able to operate this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX, kept these accounts on my report, after I specifically stated the laws set in my first dispute with cfpd. These accounts came back as verified. 

And instead increased my debt even more. XXXX XXXX, XXXX XXXX XXXX, 2 accounts, that showed inaccuracies of the time that this is not my account. XXXX XXXX XXXX, and XXXX XXXX XXXX, as collections, under 15 U.S.C section 602 A, and section 2. ( There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states a consumer reporting agency can not furnish a account without my written my written instructions. ) 15 U.S.C.168c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity bank/XXXX is reported to my credit report that in XX/XX/XXXX I was recording 30 days past due. I sent my payments via online banking system before due dates which didnt process until a few days later on XXXX of XXXX $ XXXX of XXXX $ and XX/XX/XXXX of XXXX XXXX The bank is Not reporting my payment history accurately. I wrote them a letter and they responded saying that they can not change that that reporting information.
Product: Checking or savings account

On XX/XX/24, I purchased a XXXX XXXX from an XXXX XXXX, XXXX XXXX ( aka XXXX XXXX XXXX, through XXXX. I had multiple positive experiences with XXXX until recently. He asked me to pay {$300.00} through XXXX which weve done before. Now, almost a month later, I still havent received the XXXX. XXXX and Chime have denied disputes.
Product: Debt collection

Before my lease ended, I informed the front office that I would not be renewing. I was told that it was too late in the process and they would be charging me the full amount for the month, even if I moved out on my scheduled lease ended date. They then added a month to month fee p, liquidation fees, and additional fees. I went to the office to address the additional fees and no further actions were taken. I was sent the bill and have not heard back from the leasing office.
Product: Mortgage

On XX/XX/19 I received via email the Pre-Worksheet Doc from Mortgage Lenders of America and the sheet was dated XX/XX/19 and stated the Mortgage interest rate of 4.1 %. I emailed that I wanted to confirm this rate did not include points and was assured that it was not based on points. Then, when on the same day, I said I wanted to proceed with the Mortgage, all of a sudden, the lender stated that the real rate is 4.25 %! Even though the form was dated on XX/XX/19, she said it had been based on a quote from XX/XX/19.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, someone attempted to open a XXXX XXXX card using my name, address, phone number, email and SSN. I did not attempt to open this card and I was contacted by phone by the XXXX XXXX department so luckily the application was denied. On the same date, someone successfully opened a XXXX XXXX XXXX and a Venmo XXXX XXXX. I successfully canceled and reported the XXXX and XXXX card, but was not aware of the Venmo card until I received the card in the mail on XX/XX/XXXX. I have contacted all three credit bureaus but when attempting to obtain my credit report, I received a letter stating that they are not able to provide me a copy because I need to confirm my address. I sent the requested documentation on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has filed a collection account with multiple collection agencies. Each time they have placed the alleged account with a collection agency, I have disputed it. In 3 separate cases, the disputes were removed because they can not document the claim. The most recent filing is with XXXX XXXX XXXX account # XXXX per my personal credit report. They claim the account was opened XX/XX/XXXX. This is not accurate and they have not provided any documentation of proof. The address for this agency is XXXX XXXX XXXX XXXX XXXX, Mn XXXX. Phone is XXXX. 

The alleged creditor XXXX XXXX XXXX has now submitted this for collection three other times to three other agencies. The three prior claims have all been removed. This is a deliberate effort by XXXX XXXX XXXX to ruin my credit by continuing to place the same account to multiple collection agencies. This is not a legal practice permitted under the Fair Debt and Collections Practices Act. This is intentional and prohibited. 

XXXX XXXX XXXX had breached their agreement to provide services to my home. They were advised of such. Currently Experian and XXXX XXXX are reporting this item for {$570.00}. of which I do not owe. They placed this account in XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX. The first two were removed from my report after dispute. 

I am seeking damages as this practice has dropped my credit score by XXXX XXXX  and has cost me in rates for other credit I have applied for. It is also causing me issues with my current job as a XXXX XXXX
Product: Credit reporting

The Fair Credit Reporting Act has as part of its complex legal process a definitive timeline as to when a credit trade line is to be removed. In the trade line under my name from XXXX XXXX, I had periods since XXXX where my payments were in excess of 30 days late. 
XXXX XXXX is extending the time period by a process known as re-aging of debt. They are doing this by the elimination of a payment history, stating that the trade line will be removed from all pertinent credit reporting agencies XXXX of XXXX. I believe that the 7-year rule properly applied will show that I had late payments long before XXXX, and that the XXXX XXXX trade line must be removed immediately and permanently. 
XXXX XXXX HAS NO OTHER RECOURSE BUT TO REMOVE MY ACCOUNT INFORMATION BASED UPON FCRA 7-YEAR RULE ON NEGATIVE INFORMATION!!! 
I REQUEST A PROPER REINVESTIGATION WHEREAS ALL PAYMENTS CAN BE POSTED TO ASCERTAIN THAT MY NEGATIVE PAYMENT HISTORY STARTED LONG BEFORE XXXX, AND THAT THE TIMELINE FOR THIS CREDIT ITEM HAS PASSED IT RESOURCEFUL PERIOD OF USEFULLNESS. 
THE XXXX XXXX ITEM POSTED ON MY CREDIT BUREAU MUST BE DELETED PERMANENTLY, AND I SHOULD RECEIVE A REVISED CREDIT BUREAU ACCORDINGLY FROM EACH CREDIT REPORTING AGENCY WHERE I FILED A LEGITIMATE COMPLAINT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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
Product: Checking or savings account

I have two accounts that were originally opened with BB & T. On both the phone app and online both accounts are labeled as checking in addition, prior to XX/XX/XXXX, no excessive withdrawal fees were ever charged on either account. It appears that since the merger of BB & T with Suntrust, the new bank Truist is now charging {$15.00} per transactions over 6 in one of the accounts that they are saying is a savings account even though it is labeled as checking. When I confronted them about this on XX/XX/XXXX they tried to say that they were required by Reg D to make these charges. This is deceptive since the restrictions on savings account withdrawals was lifted in XXXX XXXX and has never been reinstated. It wasn't until I informed them that I am recently retired from another bank that they scrambled to find another reason. They then dug out a sheet from their description of the account stating showing this {$15.00} excessive withdrawal fee on it. I advised them that there was no warning on the app, they did not refuse the withdrawals, and they did not change the account from " savings '' to checking after 3 violations. In XX/XX/XXXX there are {$75.00} in fees, XX/XX/XXXX - {$90.00}, XX/XX/XXXX {$90.00}, XX/XX/XXXX - {$45.00}. I feel that Truist is in violation of XXXX because # XXXX labeling the savings account as checking is both deceptive and abusive misleading people into using the savings as a demand deposit account. That by falsely claiming that these fees are required by Regulation D, they are again being deceptive and unfair since they are relying on the general public being unaware of current regulatory requirements and are using that to discourage further complaints from their customers and avoid culpability in their actions. In addition, even though the terms and agreements is available online, since the savings account is mislabeled as a checking account, it would make it nearly impossible for consumers to determine that the fees related to any withdrawal limits the bank is imposing would apply to their account since it is clearly labeled as a checking account. I have put in a complaint with Truist requesting a return of all fees charged for excessive withdrawals and was told someone would be back with me the same day. Nobody has attempted to contact me from Truist so I am filing a formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called up the credit reporting company. 
I had ask them to investigate the amounts shown. 
They said it was updated but the balance is the same. 
You can see that 15 Payments were made but not deducted from the balance. 
XXXX was my Payments at that time. 
I am on full XXXX benefits due to a failed XXXX  XXXX  that was done twice. 
Please help..
Product: Debt collection

I received a harassing voicemail from CRG claiming that they left several voicemails ( which they did not ) about a matter they would not disclose via voicemail " per federal law '' ( which is actually not true ). They threatened to validate my home and office address unless I called them back.
Product: Credit reporting or other personal consumer reports

I am a victim oXXXX XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Debt collection

Dear Support Representative, I just discovered this online and i don't know anything about this debt. I didn't receive any notification about this debt. I would appreciate if you can help me remove the derogatory mark as it affects my credit history. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX irs breach have ruined me please have them remove the inaccurate accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there had been misleading credit inquiries added on my credit I'll like to have remove! None of these hard inquiries were authorized by me. 

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
Product: Credit reporting or other personal consumer reports

I would like to dispute these negative accounts on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a credit repair companies which is not true. Please see attached file. 

Equifax : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXXXXXX XXXX XXXX XXXX  WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Owed : {$85.00} ; XXXX XXXX XXXX XXXX Owed : {$19000.00} XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, TX XXXX Dept Amount : {$20000.00} Date of Service : XX/XX/year> Provider of Service : XXXX XXXX XXXX  To Whom It May Concern, I have done some research and found that in accordance with the Fair Credit Reporting Act Convergent, Account # XXXX, has violated my rights. 
15 USC 1681 SECTION 602 states I have the right of privacy.

15 USC 1681 SECTION 604 A Section 2, also states a consumer reporting agency can not furnish an account without my instructions.

15 USC 1666B, A creditor my not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any purpose. 
I am demanding this account be updated to reflect paid as agreed and never late. 
XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Account # XXXX Date of Late Payment : XXXX XXXX 30 day - XXXX XXXX Update as paid on time I await your reply to the above request. I will correspond back with you by certified mail. 

Sincerely, XXXX XXXX Attached you'll find a copy of my Drivers License and proof or residency. 
( I am not a third party, I drafted this letter myself )
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford Motor Co. claims I missed a lease payment but that is incorrect. The last lease was due on XX/XX/2022. I made the payment on time and then returned the truck on XX/XX/XXXX, on time. Turned over the keys at that time. I have record from my bank showing this payment. My credit report shows that payment.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC Dispute Department XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : FORMAL DISPUTE DEMAND REMOVAL OF UNAUTHORIZED & FUTURE-DATED INQUIRIES To Whom It May Concern : I dispute the following inquiries on my Equifax credit report as unauthorized, inaccurate, or future-dated, violating the Fair Credit Reporting Act ( FCRA 604 and 607 ) and Texas Finance Code 392 : XXXX XX/XX/XXXX Violation : Future-dated ( XX/XX/XXXX ) inquiry. 

XXXX XXXXXX/XX/XXXX Violation : Future-dated inquiry. 

XXXX XX/XX/XXXX Violation : Future-dated inquiry. 

XXXX XX/XX/XXXX Violation : No permissible purpose ; I did not authorize this inquiry. 

XXXX XX/XX/XXXX & XX/XX/XXXX Violation : Unauthorized access. 

XXXX XX/XX/XXXX Violation : Unauthorized access. 

Legal Demands : Immediately delete all listed inquiries.

Investigate and confirm deletion in writing within 30 days.

Provide a revised credit report post-deletion.

Failure to comply will result in : A complaint to the CFPB and Texas Attorney General for violating FCRA 616 and Texas DTPA.

Legal action for statutory damages ( up to {$3500.00} per violation ).

Enclosed : Credit report excerpts highlighting disputed inquiries. 

Sincerely, XXXX XXXX XXXX : XXXX Email : XXXX XXXX
Product: Debt collection

I, XXXX XXXX, with my credit card, entered into a consumer credit transaction with Alliant Credit Union onXX/XX/2018. This consumer credit transaction involved a finance charge which is the sum of all charges and does not include cash, pursuant to 15 USC 1605 ( a ). Alliant Credit Union has furnished a deceptive form creating the false believe that I got a loan when I only entered into a consumer credit transaction, which is a violations of 15 USC 1692 j. Alliant Credit Union Credit has collected monthly payments from me since XX/XX/2018 which is a violation of 15 USC 1605 ( a ). Alliant Credit Union has failed to include my insurance in my finance charge which is violation of 15 USC 1605 ( a ) ( 5 ) and failed to disclose to me MY RIGHT to rescind which is in violation of 15 USC 1635. Alliant Credit has violated multiple of my federally protected consumer right under Truth in Lending ( 15 USC 1601 ) and FDCPA ( 15 USC 1692 ) and is criminally liable, pursuant to 15 USC 1611 and civilly liable, pursuant to 15 USC 1640 and 15 USC 1692k. Ive made Alliant Credit Union aware of how they violated my consumer rights through certified mail and CFPB complaint, which can be seen in the attached documents to this complaint and my prior complaint as well as how I will like to resolve this matter. Pursuant to 15 USC 1692 ( b ), any consumer that disputes the validity of a debt or request the name and address of the original creditor, the debt collector shall cease collection of any debt until the debt collector obtain verification and provide such information to the consumer by mail. Alliant Credit Union has failed to provide me with the information I requested and continues to send me statements and collect money from me for this alleged debt, which is in violation of 15 USC 1692 ( b ). Also, I request that Alliant Credit Union provide me with an Audit Trial. Pursuant to GAAP ( Generally Accepted Accounting Principles ), Alliant Credit must prove that the funds left their account for this alleged loan.
Product: Credit card or prepaid card

I applied for the Barclays black card back in XX/XX/XXXX. I was told i was denied then due to delinquent car loans, not enough consecutive on time payments with XXXX  XXXX and XXXX XXXX. The gentlemen told me if i got the car loans removed or fixed and at least 6 months of on time payments then I would get approved. 

on XX/XX/XXXX I applied again, since the last application I got the car loans removed and several fraudulent accounts removed as well ( 2 car loans and a credit card ) that were not mine. The girl i called with the reconsideration line rejected me saying she could see no more car loans existed and that I had on time payments dating back to XX/XX/XXXX but i got denied due to a charged off card in XXXX, short sale house in XXXX and XXXX XXXX card over the limit. My XXXX  XXXX card is {$88.00} balance of {$600.00} currently, my ability to repay creditors has greatly improved since the credit one charge off, my divorce in XXXX which i couldn't help was the reason by court order why i had to sell the house as a short sale. 

I am being deceived by barclays card when I am simply trying to fix my credit, now that I am more financially responsible and secure I believe i should have access to a great card. 

I want a honest reconsideration not a millennial telling me how I ran my life and putting Barclays in a deceiving position.
Product: Debt collection

I am writing to formally file a complaint regarding an unresolved issue involving a medical debt that is incorrectly listed on my XXXX credit report. I previously contacted Ability Recovery Services in XXXX regarding this matter and requested the removal of this debt, as it is not mine. Unfortunately, despite my efforts, this issue remains unresolved. 

The specific debt in question is listed under the name Ability Recovery Services.This account was inaccurately reported and is a case of mistaken identity, as I have no knowledge of the medical services in question or any associated debt. 

Relevant Law and Violation : Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605, medical debts must be removed from a credit report if they are not verified or are determined to be the result of fraud or a reporting error. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from reporting inaccurate or unverifiable information. Given that this medical debt is not mine, and I have already made a formal request for its removal, it is in violation of these laws for it to remain on my credit report. As a result of this unsubstantiated medical debt being reported on my credit, I have been unjustly harmed, as it has affected my credit score and overall financial standing.

I request that you take immediate action to ensure that the inaccurate debt is removed from my XXXX credit report, in accordance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Additionally, I ask that Ability Recovery Services be required to verify and remove this account from all reporting agencies, and that any future correspondence related to this debt be halted. 

I have attached supporting documentation, including my previous communication with Ability Recovery Services, as well as copies of my credit report reflecting the erroneous debt. 

Please notify me of your progress in resolving this matter within 30 days. If I do not receive a timely response, I will consider pursuing further legal action. 

Thank you for your attention to this matter.
Product: Mortgage

XX/XX/XXXX I called in to see if I have a foreclosure date, the representative told me my foreclosure is postponed and that I can submit documents to start my short sale. I checked with the foreclosure attorney, who said my auction date is XX/XX/XXXX! The company lied to me. I called Loan Depot today and they said I have an auction now and they won't delay it! That is unfair and wrong for them to be able to tell me one thing and then tell me something else then why wont postpone it so I can resolve the issue!