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

At first, Ive opened an account without any reasonable checks just fill the form and instantly get an account without any identification, documents, and credit checks. 

But two weeks later, when I deposited a test amount of money, my account was put on hold due to suspicious activity. I dont know why it may have happened, but one of possible explanations is that its because I was on a vacation outside of the U.S . 
Ive been requested identification documents via e-mail and I have provided U.S. Passport, U.S. Passport Card, SSN card that was not signed, credit report from XXXX, statement from the other XXXX XXXX When I have provided the documents, Ive been requested to provide new photos of them and to sign SSN card. Ive done all that and provided new photos. 

Later, I received an e-mail that requested a State-issued ID or Driver 's License or a Permanent Resident Card ( for the context, I'm US citizen ). 

I have replied that I dont have state-issued ID or Drivers License, which Im not even obliged to have. Moreover, Customer Identification Program regulations explicitly state that there may be alternatives to driver 's license such as a passport : 31 CFR 1020.220 declares that For an individual, unexpired government-issued identification evidencing nationality or residence and bearing a photograph or similar safeguard, such as a driver 's license or passport.

In my correspondence, I highlighted that I have already provided other universally valid federal-issued identification documents with photo and that Im ready to try alternative forms of verification if they suggest them.

The support replied that in this case they cant lift the hold.

I asked them again to provide alternative identification options and offered them some alternatives like selfies with documents, other documents that I have including U.S. birth certificate, documents from my second citizenship ( foreign passport and foreign drivers license ), and even an option of signing a statement in front of notary public who will verify me. Nevertheless, my request was ignored multiple times both through the call-center and e-mail.

I have even filed a claim ( see attached ) to them, but that didn't help.
Product: Debt collection

I had a complaint before. I was told by the state attorney the debt collectors don't have to collect consecutively. Which I believe is unfair. That just gives them all the right to collect interest. I paid the debt after told this. But I paid double. Since they took XXXX  years to collect. Instead of just being happy taking it out of my check XXXX  years ago. I'm just ranting I work hard for my money. Yet we let companies XXXX over people, because their isn't a law to stop. Who makes laws that can stop this? 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom it May Concern, I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : XXXX. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TOXXXX XXXXXXXX XXXX XXXX XXXXXXXX, OHIO XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : XX/XX/1971 XXXX. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent utility bill for verification purposes, as required by the FCRA. Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. Thank you for your prompt attention to this matter.
Product: Checking or savings account

Hello, In an emergency a few years ago I ordered checks through my bank, PNC, and it wound up costing almost {$40.00}. I ate it at the time because it was an emergency and I did n't have much of a choice. When I went to my bank to ask if there was any way to get simple basic checks at a low cost or preferably free since it 's a service that should be offered to customers for free ( I did not realize you have to spend money to spend money as well ) and the marginal cost of checks has to be very low for a bank. They lied through their teeth. First the representative claims to me that there was no shipping on these checks and they cost between $ XXXX-XXXX. Then he proceeds to sell me on a higher fee account on claims that there would be a heavy discount on ordering checks. I made it through to the checkout portion only to find he had lied to me about shipping costs and in fact an new order of checks did cost between XXXX-XXXX dollars. And if I recall correctly it took forever to arrive a few years ago. To make matters worse he told me I was not allowed to order checks through anyone else but the third party PNC chose. Oh and the kicker he got me to abandon a no fee grandfathered account here. PNC are a bunch of crooks. I have little hope that this will do anything because of how cozy the administration is with the financial sector but hopefully posting this publicly will get more people aware of the shady practices of even the most " respectable '' banks.
Product: Debt collection

I was contacted regarding a debt that was settled over 10 years ago. The company refuses to provide information regarding this debt. They continue to call before XXXX.
Product: Checking or savings account

I was a victim of fraud, my bank card was compromised and someone deposited checks and withdrew them
Product: Debt collection

I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by REGIONS BANK without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue alines with Navy Federal for similar practices, where transactions settled with insufficient balances these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple request asking that incorrect addresses and spellings of my name be removed from my credit reports. The Credit angencies have contiuned to ignore my request. 

the correct information is as follows : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX XX/XX/1979 Employment : NONE There should be no other listing of misspelled names remaining. I have found XXXXXXXX differnet spellings and XXXX wrong addresses on my report. 

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

Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information appearing on my ChexSystems and Early Warning Services reports , which I believe does not belong to me. The following accounts are erroneously listed, and I request a full investigation into this matter. It appears that these accounts may be the result of identity theft or a reporting error. 

ChexSystems Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX None of these accounts are mine, and I have not authorized or opened any of them. I am requesting that ChexSystems and Early Warning Services conduct a thorough investigation into these accounts and remove all fraudulent or incorrect information from my records.

Please find attached the following documentation to support my dispute : - A copy of my government-issued ID.

- A copy of my current phone bill as proof of address.

- A copy of my ChexSystems report.

- A copy of my Early Warning report.

- A statement affirming that I did not open or authorize these accounts ( fraud report ) I would appreciate your prompt attention to this matter and request that you notify me in writing of the outcome of your investigation. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), and I expect a resolution to this issue within the legally required time frame. 

Thank you for your prompt assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act ... the following accounts violated my rights... 

-XXXX XXXX XXXX  ( {$19000.00} ) XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ) XXXX XXXX XXXX XXXX XXXX XXXX {$8300.00} ) XXXX XXXX # XXXX XXXX15USC 1681 Sec 602A states I have a right to privacy ....

-15USC 1681 Sec604A Sec 2 states a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

On XX/XX/XXXX, I received correspondence from Diversified Consultants, Inc. ( DCI ) that I had debt in the amount {$990.00} for failing to pay XXXX. On XX/XX/XXXX I called DCI to figure out what this was about and they redirected me to XXXX. I called XXXX that same day and I was told I owed them {$990.00}. I informed them I have n't had XXXX since XX/XX/XXXX when I moved from XXXX XXXX XXXX, XXXX XXXX, NJ. My account was paid in full and disconnected when I moved. I moved in with family to XXXX XXXX XXXX and have not had services in the past two years. I was transferred to a different department who asked me if the debt could be for failure to return equipment. I told them, No because I returned it myself. They are advised me to write a dispute letter which I did ( all in the same day ) to DCI. DCI responded a couple of weeks ago with a simple letter that the debt was proven to be mine. The letter was absent of any information as to how they came up with their findings. If XXXX does n't know where the debt came from how do they?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX foreclosed on my home on XXXX and the alleged account was with this bank. Now this XXXX  - XXXX XXXX is on my credit report as having some sort of claim on this alleged account that was closed on the above date upon illegal auction. This alleged account again should have been closed but instead now XXXX XXXX XXXX XXXX XXXX  on my credit report has somehow put this alleged account with XXXX - XXXX XXXX knowing it is closed and without my knowledge. Also it shows as show in the below to be in default of 4 payments.XXXX XXXX XXXX XXXX XXXX is trying to extort more money out of me by fabricating these false reports into my credit reports. This while further destroying my credit. 
XXXX CREDIT ALERT FROM EQUIFAX : NEW/CHANGE ACCOUNT Questions? Need advice? 
Flag this alert and call us. Were available 24 hours per day, 7 days a week. 

CLEAR ALERT FLAG ALERT DATE : XX/XX/20 ACCOUNT : XXXX - XXXX XXXX Alert Details ACTIVITY TYPE : Account Change NUMBER : XXXX XXXX STATUS : > 119 days or > 4 paymnts past due BALANCE : USD {$0.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I used Lexington law firm from XXXX I paid $ XXXX for credit repair services. They did nothing for my credit. No credit related issues were fixed and nothing was removed. I called them several times asking for updates with little to no help. I wasted $ XXXX of dollars thinking this was the best action to take. After terminating my services with Lexington law they still charged me unexpected and unlawfully XXXX/month. Ive called and emailed them several times to delete my account info so I wouldnt be charged but every month I continue to get charged. They have refunded me XXXX every month after calling them. I would like a full refund from the start of my services XXXX for service that I did not receive.
Product: Credit reporting or other personal consumer reports

I request that this account be removed from my XXXX, XXXX, and XXXX credit report for the violations of the Fair Credit Reporting Act ( FCRA ) 15 usc 1681 which states a creditor is legally obligated to report accurate information about a consumer 's credit history to credit bureaus, as mandated by the Fair Credit Reporting Act.

1 ) Credit acceptance Co reported to XXXX that the last payment was on XXXX XXXX. However, Credit acceptance Co reported to XXXX that the last payment was on XXXX XXXX. Therefore, it violates 15 usc 1681 to report accurate information to the credit bureaus about a consumer 's credit history.

2 ) Credit acceptance Co reported to XXXX that payment status was in repossession. However, Credit acceptance reported to XXXX that payment status was in repossession, in repossession. Which is once again a violation of the Fair Credit Reporting Act. 
3 ) Credit acceptance Co reported to XXXX that the account was closed on XXXX XXXX. However, Credit acceptance Co reported to XXXX that the account was closed on XXXX XXXX. Which is another violation of the Fair Credit Reporting Act. 
XXXX ) now Credit acceptance Co when reporting the last payment was not the last payment of the consumer but the last time that a payment was made when Credit acceptance Co sold the vehicle at auction.

5 ) with credit acceptance Co reporting so many inaccuracies to the credit bureaus how can anyone validate the accuracy of information that credit acceptance Co is reporting to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX, has violated my rights. 

15 U.S.C 1681 section 601 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

XXXX  this is a paid account and closed with a zero balance. Per FCRA if an account is paid in full current payment history is reported. Ive sent dispute letters to all three credit reporting agencies to remove the payment history that is more than two years old. It is still being reported incorrectly and I haven't received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, National Credit System add a derogatory mark on my credit report per my XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signate does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, National Credit System has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit card

I had issue with merchant they sent me a wrong item and I filed a dispute with my bank explaining the situation and how the merchant refused to accept return and refused to give me a refund. My bank asked for evidence of the transaction and the communication with merchant, I provided that and the bank still refused to accept my dispute claim for lack of evidence. I dont think the bank did enough investigation and I dont think they were trying to help me
Product: Credit reporting

Experian recently added a collection on my credit report. The collection name is XXXX XXXX XXXX in the amount of {$290.00}. This collection is an old collection that was deleted from my crdit report and now being reported by a different collection company. I never recieved notice about this collection company, I monitor my credit report very closely and I have never even knew they were going to report this on experian. This is the only credit burea they have reported on. This amount is no longer owed.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 : called Equifax and they did not provide information or tell us what was wrong. Would not provide any other way to verify information. Tried to make an account 4 times and was unable to.

XX/XX/2024 : mailed documents of verification so they can verify identity. Spoke to XXXX who said he would transfer me to the legal team and then said the legal team would not speak to me. Said to me all of the information I provided was correct but he couldnt tell me what the issue was with my credit report.
Product: Credit reporting or other personal consumer reports

Request for Debt Validation : Account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX ( CLOSED ) account # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX I am writing in response to your recent communication regarding a debt you claim I owe. I dispute this debt and request validation under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : Verification of the Debt : Proof that I am the legal and rightful owner of the debt in question. 
Details of the XXXX XXXX : A complete breakdown of the original debt, including the creditors name and details of the original amount owed. 
Proof of Your Authorization : Documentation that establishes your right to collect this debt on behalf of the original creditor. 
Detailed Account Records : A complete accounting of the debt, including the balance, interest, fees, and how these were calculated. 
XXXX of Limitations : Confirmation of the date of the last payment made on the account to determine if the debt is within the statute of limitations for collection in my state. 
Until this debt is validated, please cease all collection activities, including reporting this debt to any credit reporting agencies, as per the FDCPA. Reporting unverifiable or inaccurate information violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

This letter is not an acknowledgment of the validity of the debt nor a promise to pay. It is a formal request for verification and validation of the debt you claim I owe. 

If you can not provide sufficient proof to validate this debt, you are required to cease collection activities immediately and remove any related information from my credit reports. 

Please respond to this request within 30 days of receipt of this letter. Failure to do so will be taken as your inability to validate the debt, and I will consider this matter closed. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED MY CONSUMER REPORT AND I FOUND INACCURACIES ALL OVER THE REPORT AND I WANT THEM DELETED IMMEDIATELY LISTED BELOW WITH INACCURACIES SHOWN. 

XXXXXXXX XXXX BALANCE XXXX XXXX ACCT # XXXX, SHOWING OPEN ACCOUNT, OPEN DATE ( XX/XX/XXXX ) XXXX REPORTED ( XX/XX/XXXX ). ( XXXX ). 


XXXX XXXX XXXX BALANCE XXXX XXXX ACCT # XXXX SHOWING A CLOSED ACCOUNT ( INACCURATE ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) DATES ARE ( INACCURATE ) ( EXPERIAN ). 


XXXX XXXX  BALANCE XXXX XXXX ACCT # XXXX SHOWING A CLOSED DATE ( INACCURATE ) XXXX SHOWING OPEN STATUS. OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) DATES ARE ( INACCURATE WITH XXXX DATES.
Product: Student loan

I have previously applied for a XXXX plan through the federal XXXX aid website. Nelnet never confirmed my payment plan with me. I received an email form Nelnet on XX/XX/XXXX indicating my payment was {$190.00} due XX/XX/XXXX. I then later checked the Nelnet portal and it appeared my payment was actually due XXXX, and that the amount due was now late and {$1100.00}. I paid this amount on XX/XX/XXXX, only after my credit took a massive hit of over XXXX points on XX/XX/XXXX, days before my payment was SUPPOSED to be due. I attempted to call Nelnet on XX/XX/XXXX, as I was unable to do so earlier due to my work schedule. I was never told a call wait time, and remained on hold for over XXXX minutes before my call was disconnected. I have not been able to speak with anyone from Nelnet. I have filed for an updated payment plan through the federal student aid website, and that has still not been updated with Nelnet. Nelnet dinged my credit severely before my payment was due based on my first notification, then changed the due date to earlier than expected with a higher payment without any update.