23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my tederaily protected consumer rignts to privacy and confidentiality under 15 USC 1681. 
Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Checking or savings account

Tried to close account. Hold was placed on funds. Requested that funds be transferred and account closed after hold ( ten business days ) was lifted. Fourteen days later, account was still open and funds had not been transferred. As of this morning, I can no longer access my account online, and funds have still not been transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request for Investigation and Removal of Unauthorized Hard Inquiry from Credit Report I am writing to file a formal complaint regarding hard inquiries that were placed on my credit report without my consent or authorization. I believe that this unauthorized inquiry is in direct violation of several sections of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, 1681c, 1681g, and 1681i. I kindly request your assistance in investigating this matter and ensuring the prompt removal of the inquiry from my credit report.

I am well aware of the FCRA 's provisions that protect consumers from unauthorized or fraudulent activities that negatively impact their credit reports. Section 604 of the FCRA ( 15 U.S.C. 1681b ) clearly stipulates that consumer reporting agencies are required to maintain accurate and fair credit reporting, while Section 611 ( 15 U.S.C. 1681i ) provides consumers with the right to dispute any inaccuracies or unauthorized inquiries on their credit reports. 


The list below is the inquiries located on the credit report that are in violation : ** XXXX XXXXXXXX XXXX XXXX  ** XXXX ** XXXX XXXX XXXX ** Ally Finacial ** XXXX of XXXX ** XXXX ** XXXX ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fo In addition to these sections, the following provisions of the FCRA also XXXX my complaint : 1. Section 605B ( 15 U.S.C. 1681c-2 ) : This section requires that consumer reporting agencies have reasonable procedures in place to ensure that the information they furnish to creditors is accurate.

2. Section 607 ( 15 U.S.C. 1681e ) : This section mandates that consumer reporting agencies must maintain procedures to ensure the maximum possible accuracy of the information contained in consumers ' credit reports. The unauthorized inquiry is evidence of a failure in their procedures. 

3. Section 609 ( 15 U.S.C. 1681g ) : This section outlines the rights of consumers to obtain a copy of their credit report. I exercised this right and discovered the unauthorized hard inquiry, which has negatively impacted my credit score.

4. Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : This section entitles consumers to dispute inaccuracies in their credit reports. I dispute the unauthorized hard inquiry and request its removal from my credit report.
Product: Money transfer, virtual currency, or money service

I have a XXXX XXXX credit card. Wells Fargo is saying that I transfered an amount to their credit card but are sending everything to an address that I lived at over 20 years ago. I didn't make the supposed transfer. I live in XXXX. I have received 2 emails from them and nothing else. I've called about the issue 50-75 times now and get put on hold for 15+ minutes. Majority of the calls last over an hour and this has to be the worst phone service that I've ever dealt with. Why am I the one who has to call them when there's supposingly an issue on their end? I was also told from 3 different reps that the account was closed and reversed and I had nothing to worry about. There was about 1-1 1/2 month gap and then I received an email about a late payment about an account that was supposed to be closed. I'm confused on pretty much everything about Wells Fargo. Everyone I mention this to tells me that it's probably a scam and to stop calling them because they do ask for my information every time I get transfered which is at least 5 times per phone call. I'm not sure if I should be worried. They also mentioned that I have made several transactions with the card/account but I've yet to hear where the location of the transactions are. I guarantee they were not made in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my credit report from TransUnion twice in the last month. 

While I received my credit report from the other two credit bureaus, I still don't have my TransUnion report.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Disputed charges XXXX. XXXX, 2021 {$1100.00}
Product: Student loan

I have 75 or 76 qualifying payments on all of my student loans for public loan forgiveness. I submitted a certification form on XX/XX/XXXX. After that form was reviewed all loans were updated to state that my qualifying payments were either 75 or 76. In XXXX of XXXX I received notification that my qualifying payments on loan series 9 was now only 70, however no reason was given. When I called and spoke with my lender Fed loan they stated that there were 3 educational forebearances on that account despite the fact that I XXXX  in XX/XX/XXXX and had not enrolled in XXXX XXXX   school since then ( I did enroll in XXXX credit hours of XXXX XXXX in XX/XX/XXXX ). I was assured this would be corrected. Since that time every time I check my account the qualifying payments on loan series 9 varies from as low as 64. Every single time I check my account the number of qualifying payments changes on that loan. Sometimes it is 64, sometimes 70 but has never returned to 75. I have been notified the educational forbearance has been removed but the counts have not been corrected. I have emailed FedLoan multiple times and have called multiple times yet this has not been corrected. I have been told I need to wait for a formal recount which previously took over a year for me to get. I have gotten no responses regarding rectification despite multiple emails. My qualifying payments should not change weekly and should be corrected to 75 as I have always paid all of my loans on time and not selected one loan to pay on.
Product: Credit card or prepaid card

Back on XX/XX/XXXX I bought a XXXX XXXX  computer from a seller name XXXX  using my Amazon chase credit card and the product was defective and I returned back the product to the seller. The seller refunded partial amount the first time and I disputed for the full amount and temporary refunded the whole amount on XX/XX/XXXX back to my acount. After a few week the whole purchase amount is credited back from my account to the merchant with out any product or service. I redispute again for the whole amount but chase customer service not willing to refund my money or to solve the problem to get my money back which is taken without authorization and I here by looking assistance to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in need of help from the consumer finance protection bureau regarding a lack of response from Trans Union the credit bureau. In XX/XX/2019 I opened a credit monitoring account after hearing of the XXXX data breach. Upon reviewing my credit monitoring report I discovered a lot of accounts that either did not belong to me or where reporting wrong to my credit. I initiated disputes by mail on or around the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019. I never received a response to these disputes by mail and was not informed of the dispute results or the status of their investigation. Assuming an investigation was ever opened as a result of my numerous dispute attempts in the first place. The accounts I believe to be inaccurate are XXXX XXXX XXXX XXXX {$1200.00}, XXXX XXXX XXXX XXXX XXXX {$900.00}. The accounts that do not belong to me are XXXX XXXX XXXX XXXX {$740.00}, XXXX XXXX XXXX XXXX {$370.00}.
Product: Money transfer, virtual currency, or money service

I have been using WISE transfer as of XX/XX/XXXX, Membership number XXXX. Today, XX/XX/XXXX, at or about XXXX ET, I submitted a transfer in the amount of $ XXXX, with no issues or alerts. The transaction went through & I copied the tracking information to the recipient in XXXX. Suddenly, this evening at approximately XXXX ET, I noticed the transaction was paused. The WISE platform suddenly began asking for highly sensitive ID information never requested before including U.S. SS # ; Drivers License to be uploaded & a photo of myself. It was quite frightening, as this information can lead to ID theft. & there was no preparation for this. When I called ( XXXX ) XXXX, I spoke to XXXX who only reluctantly told me in XXXX & gave case # when I asked ; she said basically thats the way it is. She refused a Supervisor though I repeatedly asked for one. Then hung up the phone on me, saying she had other customers. Very concerned about this companys operation at this time, risk of ID theft, & lack of care & no processes in place to effectively explain risks, & protect from risks. Also no effective way to ID who speaking with and to verify protection of sensitive information, or explanation of reason for this and safety of site, for this level of information & what is going on. Case # : XXXX
Product: Checking or savings account

An FCRA 609* ( e ) request ( inclusive of all the appropriate documentation as suggested by FTC.gov ) was sent to Banner Bank HQ and received according to tracking on XXXX.Banner Bank has been non responsive. I have followed up by phone and email over a dozen times. There has been an outright refusal to supply me with contact information such as the legal department, fraud department, etc.I was told to email XXXX. I found through some SEC filings some email addresses, names etc. and made many attempts to contact those people. Absolutley nothing. The FCRA gives 30 days for the bank to provide by law information. Nothing. 30 days has come and gone. 
The 609 e request was after I alerted Banner Bank on XX/XX/year> that I received NSF checks at my address. 
Here 's what happened : An individual ( XXXX XXXX XXXX ) crossed the border into the XXXX from XXXX. He walked into Banner Bank XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : ( XXXX ) XXXX. 
Banner Bank opened a business checking account and without my approval used my address as place of business. 
XX/XX/year>, I began receiving Banner Bank solicitations at my home address XX/XX/year> I received another letter from Banner Bank with checks returned for insufficient funds XX/XX/XXXX, I called Banner Bank and explained my situation, completely unsympathetic as I am not an account holder, the rep suggested I hire a lawyer and told me to go to my local branch. I met with XXXX XXXX, Branch XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, CA XXXX with proof in hand, she copied my license and told me she would submit for an investigation. 
XX/XX/year> I spoke with XXXX XXXX at the XXXX WA branch. She asked me if I knew an individual by " XXXX ''. I said yes, told her he had had run ins the the XXXX here in California. She told me she was escalating to their Fraud Department. 
I have filed criminal complaints here at the XXXX XXXX XXXX Department, XXXX WA XXXX as well reports to : FTC, Identity Theft Report # XXXX dated XX/XX/year> Consumer Report to the FTC, # XXXX XXXX complaint submission id : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX Better Business Bureau I find it odd that if there truly is an investigation, why no one, absolutely no one has reached out to me. 
Additionally, by sending me someone else 's cancelled nsf checks, Banner Bank has a PII and security breach.
Product: Credit card or prepaid card

In XX/XX/2015, I rented a XXXX XXXX car using my Capital One credit card from XXXX XXXX XXXX. After missing a flight back to Nebraska, I mad arrangements with XXXX XXXXl service to drive the car back to Nebraska and return it to the XXXX XXXX location. They quoted me an additional fee of around {$400.00} for returning it to another location at a later date. The total would have then been {$600.00}. 

Payment for additional fees is usually paid when I return the vehicle. I was going to pay the amount that exceeded my credit card limit with another card, however XXXX informed me that the payment had been authorized from Capital One. The charge was over {$2500.00}. 

I contacted XXXX to dispute and they did not resolve the issue. I contacted Capital One on a Friday evening to dispute. The following Monday they asserted that the charges were valid and that they had rightfully authorized the limit to be exceeded. 

I have never opted into this option and questioned Capital One disputes department for years. I have recently opened another dispute only for the issue to still go unresolved. I never opted into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account, XXXX has violated my rights Th Hippa law I did not sign a HIPPA release letter for my personal information to be released 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instruction
Product: Credit reporting or other personal consumer reports

I requested company to remove a late charge from my credit reports because it was their mishandling of payment options that caused the payment to be late. 

I scheduled the payments on their website to be paid automatically every month. However, I didnt realize that they only allow up to XXXX months at a time, and XXXX months later, XXXX XXXX put a late charge on all of my credit bureau accounts. All of my accounts everywhere else offer auto pay and XXXX consumers never have to worry about it. I dont understand why they stopped the payment after XXXX months that is unfair to the consumer who is simply attempting to make payments every month. I do not believe that I should be penalized due to their mishandling and lack of options to pay them on time. 

The late charge that XXXX submitted on my credit report is the only account that shows late on any my credit reports that is a reflection of them, not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX XXXX in late XX/XX/XXXX for the amount that's past due and that is on my credit report. I submitted a dispute with XXXX and XXXX, but they have updated the info rather than deleted. Also, I submitted a dispute for the XXXX XXXX that's no correct and even reports twice on one of my credit reports for XXXX. This account keeps is not mine and shouldn't be reported twice on any credit report. Also, in XX/XX/XXXX and XX/XX/XXXX, I was looking for a car, went to a car dealership and applied. Last month somehow 19 inquiries showed up on my credit reports. That is not correct and those inquiries should be deleted off of my credit report.
Product: Checking or savings account

Hello, wise bank deactivated my account whitout any reason whit more than XXXX $ usd, i try to contact them but i failed, i need my money, becasue it's a legal money, and i have a legal LLC in US, and all my money is coming from XXXX  payement
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatly mailed the Reporting agency regarding this inaccurate information. In fact, I have mailed them approximately 12 times through certified mail asking for a REINVESTIGATION. I have requested for proof of the investigation they conducted and the response I received is that the furnisher has verified, and the information is accurate. I've asked for documents containing my signature and any other information that they used to agree with the furnisher that the information they received belongs to me. I have consistently written the Reporting Agency and informed them that the account they are reporting is inaccurate and does not belong to me. I've been told by the Reporting Agency that they have conducted an investigation and that they are not REQUIRED to conduct another investigation. 

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

15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instruction.
Product: Bank account or service

Can someone please investigate XXXX, Vermont? 

XXXX XXXX has charged a fee of over {$3000.00} (! ) to hand deliver documents a few blocks across town. 

They declined to act as Executor for my father 's Estate, though the representative, XXXX XXXX, had offered to settle it! 

My parents had a Trust with XXXX XXXX for many years ( more than 20 years ). XXXX XXXX was to act as Executor, as well as Trustee, for my parent 's trust fund. They ( very slowly ) settled my mother 's XXXX XXXX Trust Fund Estate. 

A year later when my Dad passed, XXXX XXXX contacted us to say that they were declining to handle the Estate. Their reason? They did n't think it would be lucrative for them. But they had n't let Dad know that while he was alive ( and after my mother passed ), to make appropriate changes. [ He was competent to make this sort of his decision, per his XXXX. ] After searching for some time, we found Trust Company of Vermont to take over as Executor and as Trustee. XXXX XXXX continued to charge fees, even thought they were only holding the money ( not managing it ) and had declined to do what my parents counted on them to do -- settle the Estate. 

Eventually I realized that TD Wealth had failed to provide XXXX the pour-over will documents, so my father 's Estate was headed to Probate Court unnecessarily. I provided my photocopy, and that was when XXXX charged more than XXXX XXXX dollars for delivering the original copy of the pour-over will my parents had filed with XXXX. 

XXXX XXXX delivered the document a few blocks. [ If this is NOT what they charged over {$3000.00} to deliver, I do not know what they did deliver. They certainly charged the fee, and initially XXXX XXXX, supervisor in the XXXX VT office told me " there was nothing that could be done to refund the money because the account was closed. '' ] I took my complaint higher in XXXX XXXX. It took months and several emails to obtain an answer, but I was able to have the fee of moire than {$3000.00} credited to my father 's account. 

While these fees have been returned, there has been no apology, and XXXX acts like I am unreasonable to make these requests that fees be returned when no service is being provided. They were simply holding onto funds that they had told my parents they would help settle, as part of their Estate. They did offer to only charge half fees, since they were doing nothing with the money. They have continued to charge fees through the time the Trust was closed. While some fees have been partially reimbursed, it has taken a great deal of effort to do this. 

The fees have been high, the service has been poor, questions have been shifted from person to person, and I do n't think the management communicated well with my parents. They were domineering and clingy with the money. To return the fees, they have given me a document requesting that I sign off my right to " make disparaging remarks '' about their " employees. '' I think someone should investigate this institution! Who else are they cheating? Do you have any suggestions for where I should take this issue? 

Thank you for your help.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022, the credit ( Charter Communications ) reached out to me with a payment offer ( see attached ). I paid the full balance ( see attached proof of payment ). Then I noticed a company called CBE Group ( see attached Collections ) had put this account from Charter Communications in Collections on all XXXX of my credit bureau reports. This is fraud. This account should not be in Collections because I have paid this account balance in full.
Product: Consumer Loan

I am not sure why or what type of loan this company is calling me about because I do n't have any unpaid loans. They never leave a message, but they call 2 or 3 times a day and at all hours. Even XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY CREDIT TO MYSELF FOR THE FIRST TIME AND I HAVE DEROGATORY ITEMS THAT ARE NOT MINE. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE DELETED. PLEASE REMOVE THESE UNKNOWN ACCOUNTS FROM MY NAME.
Product: Credit reporting or other personal consumer reports

Both two students loans have been paid in full {$14000.00}. On XX/XX/year>. 
The creditor XXXX XXXX HAS RECEIVED PAYMENT. THIS ACCOUNT HAS BEEN PAID IN FULL!!! PLEASE UPDATE MY BALANCE AND DELETE INCORRECT INFORMATION FROM MY CREDIT FILE
Product: Credit reporting or other personal consumer reports

On XX/XX/ I checked my credit report and noticed that I had a few hard inquiries on my Equifax credit report that I " Did not '' recognize. Upon further investigation, I never gave my written consent to Equifax to furnish my credit report to the companies listed below. They did not have a permissable purpose .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want Equifax to follow UNITED STATE 'S CONSUMER LAW. I NEVER GAVE MY EXPRESSED WRITTEN CONSENT FOR Equifax TO FURNISH MY CONSUMER CREDIT REPORT TO THE ABOVE-MENTIONED COMPANIES ON ANY DAY. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 card

on XX/XX/XXXX I paid for a vacation on my Citi card that was standard purchase. The billing cycle ended on XX/XX/XXXX and the credit card company charged me interest for this charge. They then billed me and I paid off the charge right away. THey should only have charged my account interest if I did not pay it off in the associated billing cycle, which I did. This is fraud with these fees.