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

XXXX still reporting to Early Warning that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts, but is also affecting me in trying to open accounts at local banks and has caused my existing bank to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an checking account is because of what's being reported to Early Warning. This is literally the example of holding my banking privileges hostage and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I write to you with extreme frustration and anger regarding an account that TransUnion has verified as accurate on my credit report. I firmly believe that the inclusion of this account is a blatant and outrageous violation of critical consumer protection laws. I demand your immediate and forceful intervention to rectify this unjust situation. 

XXXX XXXX Report Created On : XX/XX/2023 File Identification Number : XXXX Provided by TransUnion Consumer Relations The audacity of TransUnion to disregard my diligent efforts to dispute the accuracy of this account is an affront to consumer rights and an open defiance of the laws that are meant to protect us. I will not stand idly by while my financial well-being is unjustly compromised. 

The inclusion of this account on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ), which unequivocally requires credit reporting agencies to maintain accurate and fair reporting practices. TransUnion 's failure to remove the account despite my valid dispute is a brazen disregard for the very laws that govern their operations. I suspect multiple violations, not only of the FCRA but also of the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Act ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 3 letters asking to verify erroneous accounts. One in XX/XX/2019, XX/XX/XXXX and again XX/XX/2019 I requested a copy of paperwork Transunion viewed and what the bureau had on file to confirm the validity of investigation.As my right according to section 609 ( 1 ) a of the FCRA. Never received anything close to what I asked for. Those erroneous.and unconfirmed accounts should be deleted for not complying with my legal request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX had my account as opened since XXXX and now they want to change the account status as closed since XX/XX/XXXX after I made the payments consistently for those 3 months after I asked XXXX XXXXXXXX  to grant me a good will letter due to me trying to fix my credit to get a home, and this happens the day after?? Very sketchy they reported my account as late so many times when the account was suppose to be closed and now they decide to put it as closed when I started having a XXXX month back to back on time payment history trying to clear that closed account! Thats XXXX illegal and a shame they committed something like that! They playing with my life!!! As a retired veteran this is a back stab from a military based bank!!
Product: Credit reporting, credit repair services, or other personal consumer reports

These are inquiries that I have attempted to get information on that were not authorized. XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXi XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX ( twice ) XX/XX/XXXX XXXX
Product: Checking or savings account

A customer wrote me a check for what was supposed to be a years salary cleaning and maintaining a property for XXXX The bank cleared the check but then said the check was forgery and the bank didnt honor it well I had already paid a bunch of debt that was piling up already and the money was gone. Now Im overdrawn XXXX $ and I dont know what to do. I suffered a loss myself now at this point and I dont want to be responsible for anything like this.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX PORTFOLIO RC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by Experian that an account from another bank was opened in my name-I found out a few days before and reported to the company. Experians advice was to lock my account-the problem was my account was locked for inquires, so the service didnt work. I attempted to report the matter and asked for a refund due to the lock didnt work. The representative said I cant do thatits complicated. I told him I didnt want to talk to him anymore and needed to speak to a XXXX, he threatened to hang up with me, I told him I know who to call. So I came here to report them and request a refund for services Im paying to lock my report, which didnt work. I only want a refund for a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA is in direct violation of FCRA, FDCPA and Metro 2 Compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REASON TO BELIEVE IVE BEEN A VICTIM OF IDENTITY THEFT BECAUSE THERE IS AN ACCOUNT AND INQUIRES REPORTING TO MY CREDIT REPORT THAT I'M NOT AWARE OF AND NOT SURE WHO THE ACCOUNT BELONGS TO AT THIS TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 4 notarized dispute letters to XXXX and Transunion via certified mail to dispute inaccurate information currently reporting on my credit report. 

Transunion and XXXX lost 3 out 4 of the dispute letters after receiving them via certified mail. This was my 2nd attempt to dispute the inaccurate information after both Transunion and XXXX failed to investigate and fix inaccurate information currently reporting on my credit. 

I'm attaching the statement I've sent to support my claims
Product: Vehicle loan or lease

My vehicle was a total loss and the insurance company paid the entire loan balance except for the late fees. Ally financial told me after the car paid that the late fees would be waived and my account was at XXXX. Ally financial sent me the title to the vehicle. <P/>A month later Ally came back and said they were charging me late fees with a daily interest. From month to month the amount changed they were uncertain the amount of late fees and interest. <P/>In Virginia a company can not charge more than 12 % late fees. They are reporting to the credit bureau and I feel they are incorrect. Ally stated that they sent the title to insurance company and not to me. However their office also stated that they title should n't have been released if there was any kind of balance remaining on the account. Once I received the title, lien release and the letter my account should be at a XXXX balance.
Product: Credit reporting or other personal consumer reports

Im so fed up with this process! Please remove these accounts that are not mine. Not in 30 days, 45 day, or 60 days! 15 USC 1681 starters that any account that can not be verified or propelry investigated should be removed. The accounts numbers dont match and I can not get any information sent to me from aidvantage or retrieve results if these agencies investigations. They have been slow to move there feet on removing these items and honestly lying in my reports by saying that Ive even made payments on these loans and I have not done so. They are saying I made a payment in XX/XX/year> on XXXX and I did not and have been fighting to get these removed not only through aidvantage but also trom the XXXX agencies that are refusing to listen to federal law in this matter .it looks like XXXX XXXX them but the others have continued to not only leave them in place but lie to make it seem like I am making payments and I am not doing so.
Product: Checking or savings account

On XX/XX/XXXX I got charged three overdraft fees for transactions that were done on XX/XX/XXXX. This Bank gives you XXXX hours but notifies you at XXXX XXXX  and gives you to XXXX XXXX  that same day. They claim that this is XXXX hours. I do have overdraft protection. Reason I have overdrive protection is for when I really need to use it. I have not gotten no overdraft fees in a while now. All of a sudden Wells Fargo wants to start with the overdraft. I feel like the bank is very unfair cuz the ATMs do not work. I went to the bank to go deposit on XX/XX/XXXX before XXXX XXXX and the ATM did not accept cash deposits. This is the ongoing thing with this XXXX. I have reported it to Wells Fargo that have done nothing to fix the problem. I feel like if they give me to XXXX XXXX  they should have the ATMs working correctly like that people could be able to make the deposits. If I went ahead went to the next branch it wouldn't have been like XXXX and I still will get charged the overdraft fees like I did. I have spoken to Wells Fargo 's numerous of times about these overdraft and the abuse that they have that they should cut down the fees and stuff like that they don't care. I feel like Wells Fargo 's just wants to keep charging and charging and charging. Why can't that be like other financial institutions that worth with you?
Product: Money transfer, virtual currency, or money service

Hello, my account XXXX was suddenly restricted, saying " Because you have continuously filed cases that do not align ... outlined in our User Agreement '', but since opening the account in 2020, I have been using paypal to buy goods normally, and I have not sold any goods and receive money, I don't know Why is my normal purchase of goods also considered to be a violation of the terms, is there any misunderstanding? If you need authentication, I can provide that, and up to now, in the past 3 years, I have only appealed 3 times, but I did file a complaint because the item was faulty and not received, 1 successful, 2 failed, The two times I failed I bought from XXXX, which is a second-hand trading site, but I was scammed by the seller Case ID XXXX, The seller sent me a fake, I submitted evidence, and you agreed to return the product, but you did not give me the return address, and I contacted the seller without any reply, and there is no entry on the appeal page to contact you, I can only fill in the tracking number and then send a message, but you did not reply, the case was closed, and the appeal failed. I just want to know the return address. I did not submit an invalid tracking number on purpose. Case ID XXXX, I bought a piece of XXXX clothes. The seller told me that he is also in OR state, and we can trade face to face, but for safety reasons, I asked him use XXXX  to send, but it has not been delivered. I checked the package is sent from PA state, I contacted XXXX, XXXX said that the sender of this package is XXXX, and I saw a newly registered seller on the XXXX  website selling the same clothes, the same pictures and descriptions, I realized that I was deceived, so I filed a complaint, but I don't know why I failed, I can provide more evidence, and you can also contact XXXX, I am telling the truth If you want more proof, I can provide it. I am using your service normally and have not violated any terms
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Student loan

I was placed in an " IDR PROC ADMIN '' forebearance. This means that despite the fact that I am on the SAVE plan, interest is accruing. My payments are currently {$0.00} a month under SAVE, I don't need the forbearance which will just increase my interest and overall balance for no reason. 

I tried calling Nelnet and was unable to reach them due to long hold lines. I sent them an email on XX/XX/XXXX and received no reply as of XX/XX/XXXX.
Product: Debt collection

XX/XX/2018 sent letter to them to validate the debt, but they ignored my letter and put on credit with no proof that its mine!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that Experian verify the mentioned accounts and delete them and they continue not to provide assistance and support in this matter. 
The accounts in question are associated with a different address as well as a different name and they continue to report it erroneously. 
1. XXXX/XXXX/XXXX  XXXX 2. XXXX/XXXX/XXXX  XXXX 3 XXXX XXXX XXXX 4 XXXX XXXX/XXXX/XXXX 5. XXXX/XXXX/XXXX  6 . XXXX/XXXX/XXXX 7 . XXXX/XXXX/XXXX  XXXX  8.XXXX  XXXX  XXXX XXXX XXXX 9 . XXXX XXXX XXXX. XXXX 11 . XXXX XXXX XXXX XXXX. XXXX 13 . XXXX ( Duplicate Account ) 14. XXXX ( Duplicate Account ) 15. XXXX/XXXX
Product: Checking or savings account

SOFI BANK HAS RESTRICTED MY ACCOUNT AND IS PENDING IT FOR CLOSURE FOR NO APPARENT REASON. 

ON XX/XX/XXXX I RECEIVED AN EMAIL STATING MY ACCOUNT HAD BEEN SUSPENDED TEMPORARILY DUE TO SUSPICIOUS ACTIVITY, I WANT TO PUT EMPHASIS ON TEMPORARILY BECAUSE OF WHAT HAPPENED NEXT. 

I CALLED THE BANK, AS THIS HAS HAPPENED TO ME BEFORE WITH THIS BANK I ASSUMED I NEEDED TO VERIFY TRANSACTION, WHICH WAS NOT THE CASE. I WAS THEN ABRUPTLY NOTIFIED UPON CALLING THAT MY ACCOUNT WAS PENDING CLOSURE. 

I WAS TAKEN BACK BECAUSE THIS WAS KNOWLEDGE THAT I WOULD NOT HAVE BEEN AWARE OF IF I DIDN'T CALL, AS I STATED EARLIER THIS WAS SAID TO BE TEMPORARY IN THE EMAIL THAT I WAS SENT. 

I ASKED FOR THE REASONING BEHIND THIS DETERMINATION AND THEY SAID I VIOLATED THEIR POLICY, WHICH MADE NO SENSE TO ME, AS ALL I DID THAT DAY WAS FREEZE MY DEBIT CARD AND MY ACCOUNT WAS IN GOOD STATUS PRIOR TO THAT. 

UPON REQUESTING THE INFORMATION AS TO WHAT VIOLATION THEY WERE REFERRING TO, I WAS TOLD THAT THEY DID NOT HAVE THE INFORMATION TO DISCLOSE TO ME. IF YOU ARE A BANK LOOKING TO CAUSE HARM TO SOMEONE'S LIVELIHOOD BY CLOSING ACCOUNT AND NOT ALLOWING THEM A CHANCE TO SET UP DIRECT DEPOSIT WITH ANOTHER INSTITUTION, THE LEAST YOU CAN DO IS TELL THEM WHY. 

NOW, MY RENT IS COMING DUE ON XX/XX/XXXX AND I WONT HAVE ANY ACCESS TO MY DIRECT DEPOSIT COMING ON THE SAME DAY IN ORDER TO MAKE PAYMENT.
Product: Bank account or service

Key Bank acquired my First Niagara credit card account in 2016. I never received a Key Bank credit card. I have not received a bill from Key by any method since the account was acquired. The only action I have received from KEY is from their collections department! I have paid them upon each of these calls since XX/XX/2016 without the benefit of any statement. I have addressed this issue with various Key Bank departments over the last few months to no avail. They are charging me XXXX late fee to boot!. I have tried numerous times to establish an on-line access but always ends up with a message that the process could not be completed " at this time ''. And I imagine they are reporting " late '' payments to credit bureau. Situation is intolerable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX 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 View full complaint
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the date below : 30 days late as of XX/XX/2020 60 days late as of XX/XX/2020 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

I dont understand why this is happeningI discovered inaccurate accounts on my credit report today, and its left me confused and overwhelmed. Ive always checked my credit report without any problems, but now there are errors that seem to have appeared out of nowhere. I refreshed the page, hoping it was a temporary error, but the accounts are still there. I beg you to review the documents I provided so I can stop living with this constant stress.
Product: Checking or savings account

On XX/XX/XXXX ( shown as XX/XX/XXXX on the online chase bank activities ), there were five unauthorized ACH transactions, total {$23000.00} were taken from my business checking account. They were all online fraud by hackers. I reported to Chase and asked for bank account protection prior to and during the transactions. Chase tried to block the transactions according to my request but failed. 

On XX/XX/XXXX, one of the five unauthorized ACH transactions ( {$4500.00} ) was credited back to my business checking account. The rest four transactions ( total {$18000.00} ) could not be reversed and credited back to my business checking account.

Chase created a claim for investigation of the ACH transactions since XX/XX/XXXX but denied to credit back the {$18000.00} with the statement " We found that the transactions you reported on XX/XX/XXXX were processed according to the information you provided was authorized, No adjustment will be made to your account ''. 

From XX/XX/XXXX to XX/XX/XXXX I made several phone calls to chase and had talked to the Chase representatives of fraud investigation and claim departments regarding the refunding the unblocked fraud ACH payments ( Total {$18000.00} ). The answer from the claim department is the claim was closed because the fraud couldnt be proved and those ACH payments could not be refunded to your account, bring the evidences to the local chase office for further investigation. 

I went to Chase local office in XXXX XXXX, Indiana, met the brachy manager XXXX XXXX and submitted documents including suspicious emails I received prior to the fraud transactions, the printout of the ACH transactions. XXXX helped to escalate reopening the claim investigation but Chase kept the previous conclusion and detailed that " They found that those ACH transactions were made on the device having same IP address that I used to access my chase bank account ''.

My complaint is that I provided the suspicious emails and made phone calls to Chase customer supporters asking for account protection before and during the fraudulent transactions. Chase had also successfully blocked one of the five transactions that happened at the same time. How can Chase conclude the other four transactions were authorized just because they can not find the transactions were made on the device with different IP address?

I demand Chase to credit the rest four unauthorized transactions ( total {$18000.00} ) back to my business checking account.
Product: Credit reporting

XXXX XXXX Collection account should be removed from my credit report as this should never have been sent collections, as it was paid by XXXX XXXX XXXX XXXX back in 2013 and the amount of the bill was {$280.00} not {$410.00} as XXXX XXXX is claiming
Product: Credit reporting or other personal consumer reports

The company stated that they verified a public record via XXXX XXXX XXXX XXXX AS REPORTED however that is not accurate and I provided verification that XXXX XXXX XXXXXXXX XXXX does not verify public records to any credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am submitting this complaint without any assistance from a third party. Attached below is my FTC Identity Theft Report and full compliant. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit.