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

XX/XX/year>, I opened a bank account so that I can deposit money into my XXXX XXXX XXXX XXXX  bank account with Wells Fargo. They would only allow me to do so if I had an account or was depositing into a business account. I opened an account online, signed up for a bank bonus of {$200.00} or {$300.00} ( provided I direct deposited XXXX XXXXXXXX from my employer ), and handled my transaction in person. In XXXX XXXX, when I hadn't received my bonus, I inquired for an update and did not hear back. I received a notification in XXXX they'd closed my account before paying out my deserved sign up bonus. I asked to reopen the account since I planned to receive XXXX dollars for an upcoming trip and they refused. They also refused to pay out the bonus.
Product: Credit card or prepaid card

I missed a few payments on deadline due to not getting the notice of due payment. XXXX XXXX penalized me with the late payments on my credit score.
Product: Credit reporting or other personal consumer reports

Transunion has caused me too much stress over the years. 
These inquiries are not mines and they have been giving me the run around. 
Enough is enough. 
I will be looking to hire a XXXX law sue attorney. 

XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX MXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX BANK Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX/GREENSKY 9 POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$9700.00} Balance updated XXXX XXXX, XXXX Original balance {$8700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$9700.00} written off. {$9700.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$9700.00} Original balance {$8700.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 84 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXXXXXX, GA XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address a concerning matter regarding the reporting of my credit information by your agency. It has come to my attention that late payments and credit utilization data have been included in my credit report, despite falling under the exclusions of transactions and experiences as defined by the law. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( a ) ( 2 ), which requires consumer reporting agencies to provide accurate and fair credit reporting. Additionally, 15 USC 6801 and 6802 ( b ) ( 2 ) explicitly state that nonpublic personal information, including transaction and experience data, should not be disclosed without proper authorization. By including late payments and credit utilization data in my credit report, your agency is in direct violation of these federal laws. As a result, this inaccurate and misleading reporting is adversely affecting my creditworthiness and financial standing. Moreover, these violations raise serious concerns about this agencies blatant misuse of my personal information and other fraudulent activities. Under 18 USC 1028 ( a ), such identity theft offenses are subject to criminal penalties, further emphasizing the gravity of this matter.
Product: Consumer Loan

I am a XXXX patient unable to pay loan due to unemployment.
Product: Credit card or prepaid card

Someone fraudulently opened a credit card in my name with Citizens One on XX/XX/XXXX using our rental property address in XXXX XXXX  and charged {$890.00} to the card ( Acct XXXX XXXX XXXX XXXX ). I found out on XX/XX/XXXX by looking through my credit report on XXXX. At that time, this was listed under closed account in my credit report, as the account was already closed in XX/XX/XXXX ( Charge off  ). I disputed this account with XXXX. After an investigation by XXXX, this account was taken out of my credit report on XX/XX/XXXX. In XX/XX/XXXX, I started getting collection notice from Citizens Bank. On XX/XX/XXXX, I called XXXX ( XXXX ) and spoke to XXXX XXXX. He was not very helpful at all. 

Citizens Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was applying for a mortgage with Mr. Cooper who pulled all my credit reports and changed my information on my credit report. They for some reason updated my residential address and inserted my office. I contacted them on various occasions to correct this and they have simply ignored my request. This has caused me major problems as I am getting other quotes and now have to spend hours and days on the phone trying to correct this issue with all three agencies. They were very quick to call and follow up when they were trying to get my business, and now, just ignore my requests after messing up my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 credit bureaus regarding the incorrect names, addresses, phone numbers, and employers on my reports. The first letter i sent was on XXXX XX/XX/2021, the second letter was on XXXX XX/XX/2021. XXXX and XXXX responded to my request by removing the incorrect information and updating my reports. Experian was unwilling to do this stating that they were unable to change that information which is a lie as the information is incorrect and may be a potential avenue for identity theft or fraud since my mail is going to an address and under a name I don't use. When I spoke to Experian regarding this concern and informed them I needed to get this corrected for my identity security, and that I would be taking this matter up with the CFPB to try to rectify this, their response was good luck with that, then they hung up.
Product: Credit card or prepaid card

XXXX XXXX charges my credit card and my insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Money transfer, virtual currency, or money service

On XX/XX/year> I hired a contractor called XXXX XXXX XXXX XXXX to remove debris from in front of my XXXX houses XXXX XXXX XXXX, Florida. Our houses were affected by hurricane Helene. XXXX ( the owner ) asked for a {$300.00} deposit as a downpayment. I paid him the {$300.00} and then he never did the job. I repeatedly asked for my money back and he eventually got belligerent over text. He never refunded my money and I sent a contract termination text on XX/XX/year>. I filed a police report, however, the police could not do anything since the fraudster is not located in our city. I then filed a claim with my bank, Bank of America, and submitted documentation showing that XXXX XXXX XXXX XXXX had committed fraud. My bank denied the claim saying that because the payment was made through XXXX XXXX there was nothing they could do. They suggested I reach out to the scammer to ask for my refund.
Product: Credit card

This account has been on my credit report for over 7 years. I have sent the company letters in the past asking them to send proof that this was my account. To this day I have never received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

So my problem is with XXXX Credit Card Company. I really feel like they're intentionally trying to get my application declined and i feel like its because of my race. My credit score is well over the required score and still they are giving me the complete run around. They are intentionally trying to drop my credit score y giving me a bogus excuse as to why i have to give them a call back, but every time i call back they are giving me a hard inquiry on my Experian. The excuse is my phone number hasnt been updated with experian. I updated my phone number with experian the first day i was notified by XXXX that it needed to be updated. i received an email from experian the same day stating my personal info was updated, but yet XXXX keeps giving me the excuse that my phone number hasnt been updated. Now when i call they give me the excuse that their system is updating and to call back in 48 hours. But they only tell me this AFTER theyve pulled a hard inquiry. So what they're doing is they're deliberately trying to keep giving me hard inquiries until my score no longer qualifies me for a line of credit so they can decline my application. This is not fair and i feel like its definitely racist. So many of our financial instituations are declining minorities for lines of credit during these times and its unconstitutional. Something has to be done about this immediately. I know im not the only one experiencing this type of discrimination.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act Convergent. 
XXXX XXXX XXXX & Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account 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 a account without my written instructions
Product: Checking or savings account

I am filling a complaint with the CFPB regarding capital ones failure to deposit my direct deposit payment from my employer and other incoming deposits. Capital One has cited technical issues which may have violated the EFTA as it requires a timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to insure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A States Section 2 : It also states a consumer reporting agency can not furnish without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Despite numerous attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not connected to me in any way, and I hold no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this matter is not promptly resolved. 

These inaccurate and fraudulent items on my consumer report have hindered my ability to achieve my goal of purchasing a home and providing for my family 's needs. The financial impact has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.
Product: Mortgage

I applied for a mortgage modification with my lenders XX/XX/XXXX, XX/XX/XXXX and was denied because they said in XX/XX/XXXX I did n't get all documents in which is incorrect then XX/XX/XXXX they said they denied me for Tier 1 and tier 2 because of my income I thought when modifying your loan it brings the interest rate down to 31 % of your income. Well now they said I was denied because my investor has decided to drop my taxes and insurance because of the value of my property and its not in their best interest to modify and they will not add escrow. Well when I purchase this home I had taxes and insurance on my mortgage is it legal for them to just take taxes and insurance off my mortgage if they want to? I am now {$28000.00} in arrearages with my mortgage my house is only appraising at {$35000.00} and I owe then {$61000.00}. What are my options to save my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$4000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$4000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$4000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction
Product: Credit card

I defaulted on a XXXX XXXX Credit Card. Last pay date was XXXX XXXX 2009.
Product: Credit reporting or other personal consumer reports

I called to find out what XXXX XXXX sent to the credit Bureau to verify this fraudulent account on my report. I was told they verified a balance??? No Credit Bureau has any consent to share my info with anyone at any time. They are also showing financial amounts and figures, showing income, account numbers. Nor did they provide any forms, contracts or agreements signed by XXXX consenting to the use of personal information. This is covered under Kansas Statute 21-6107 Identity Theft or Identity Fraud is to possess, transfer or to use any personal identifying information, belonging to or issued to another person, with the intent to defraud that person, in order to receive any benefit, which is exactly what XXXX, TRANS UNION and XXXX are doing. PERIOD As used in this section Personal Identifying information is : XXXX. Name XXXX. Birth Date XXXX. Address XXXX. Telephone I skipped XXXX I felt they were XXXX XXXX. Electronic signatures XXXX any financial numbers!!
Product: Checking or savings account

XX/XX/2021 I deposited {$300.00} into a atm at Huntington. The machine went down and it kept my money and didnt give me a receipt. They said my money never got deposited.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Negligence and Non-Compliance in Credit Reporting To Whom It May Concern, I am writing to formally dispute XXXX  failure to meet its legal obligations regarding my credit report. Despite my rights under the Fair Credit Reporting Act ( FCRA ), XXXX has failed to provide accurate, fair, and timely service in maintaining and correcting my credit report. This negligence has caused undue harm, and I am requesting immediate corrective action. 

The specific issues include : 1. Failure to ensure accurate credit reporting [ Describe any inaccuracies on your report, such as incorrect accounts, fraudulent activity, or outdated information. ] 2. Failure to properly investigate disputes [ If you have previously disputed errors, explain how XXXX failed to resolve them within the legally required timeframe. ] 3. Failure to comply with legal obligations XXXX is required under the FCRA to investigate and correct disputed items within 30 days. The lack of action on your part constitutes non-compliance with federal law. 
Due to these failures, I am demanding the following : A full investigation into the disputed inaccuracies on my credit report.

Immediate correction and removal of all erroneous information.

Written confirmation that these errors have been addressed. 
A formal explanation of why XXXX has failed to meet its legal obligations in handling my credit information. 

If XXXX does not take corrective action within 30 days of receiving this letter, I will be left with no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action for damages caused by your negligence. 

Please respond to this dispute promptly in writing to the address provided above. I expect a resolution that aligns with XXXX legal responsibilities. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"