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

XX/XX/30 Chase Bank decided to close my account for NO reason. I have always been in good standing with all my bank accounts. There was absolutely no reason to close my account. They had no basis, other than race. I have a credit card with Chase with a XXXX credit limit. I always pay that card off to a XXXX balance when I use it. I did go into a Chase branch location and they did treat me a little differently because of my skin color. So I walked out. Then today I tried to log into my account and it was blocked. I called the bank and they could not give me any explanation on why they have closed the account. I feel Chase is discriminating against me because of my race. That is why they were having trouble explaining to me why they are closing my account. I had money in the account to that I will need return. My wife is a XXXX. She is going to refer me to another legal expert who's specialty is discrimination. I am very successful. I have money in different banks. The other banks where I hold my accounts don't discriminate against me because of the XXXX of my skin. Chase Bank has XXXX tendencies that need to be addressed. You can't treat the consumer this way. Chase could not give me one reason why they closed my account. Not one reason.
Product: Credit reporting or other personal consumer reports

I ATTENDED A XXXX NC NIGHTCLUB WHERE MY WALLET WAS STOLEN. I MADE A POLICE REPORT WITH THE ON DUTY POLICE OFFICER AND WAS TOLD TO MONITOR MY PERSONAL INFORMATION MOVING FORWARD. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH.. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 AND XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided Transunion with an XXXX report and the law clearly states the following : XXXX XXXX Code XXXX ( a ) Block Except as otherwise provided in this section, 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 XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Transunion received my XXXX report ( attached here along with my full dispute ) and they did not follow the LAW. Transunion is not superior to the UNITED STATES LAW and MUST comply with Code of federal regulation. They made claims to verify the accounts however, under section XXXX ( a ) ( XXXX ) ( A ) they have to provided me with any physical proof, a consumer contract with my signature proving ownership of what they are reporting. Transunion is not doing their job and they are costing me my natural rights to credit. I have included my full dispute along with every violation and punishment available by law if Transunion does not rectify my credit report immediately. I will hold all parties accountable and will seek my full remedy for all violations and hold Transunion and all accomplices criminally liable.
Product: Credit card or prepaid card

I recently opened a Wells Fargo credit card and am experiencing difficulty making payments to the card online. I have made four payments from a non-Wells Fargo account and I discovered this is Wells Fargos limit for making payments from a non-wells Fargo deposit account and Wells Fargo wont allow me to make anymore payments online this month. They offered me the option of paying over the phone or opening a Wells Fargo deposit account. This is an inappropriate restriction on consumers and appears to be a potential ploy for Wells Fargo to have consumers open deposit accounts with them. It is not fair to consumers to restrict consumers making payments and potentially leads to possible debt issues down the line. Wells Fargo has terrible customer service and will pursue closing my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCT # XXXX Amounts : {$1700.00} / {$3000.00} Date Opened : XX/XX/2015 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint to CITICARDS CBNA about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX  XXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/scrub>XX/XX/XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to comply with 15 USC 1681s-2 ( b ). Experian is civilly liable under 15 USC 1681 ( n ) ( i ). A dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

Experian failed to conduct a reasonable procedure by their own industry standard of Metro 2. XXXX failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

Experian failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. XXXX failed to report consecutive 24 months of payment history. Failing to report XX/XX/2021 presents willful noncompliance. 
In conclusion, Experian has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. 

Therefore under 15 USC 1681n XXXX is liable for actual damages, {$1000.00} violation and punitive damages.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting service XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of this erroneous information on my credit report XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

DPTEDXXXX XXXX {$14000.00} USDOEXXXX XXXX {$420.00} XXXX  XXXX {$740.00} XXXX XXXX XXXX {$460.00}
Product: Mortgage

I have a home mortgage that now belongs to Mr. Cooper. 
I was attempting to find out information about my principal balance when I accessed an escrow statement that indicated an increase in my mortgage payment that would occur in XXXX. 
I had signed up for paperless bills and did not receive the escrow statement in the mail nor within the email. 
Instead, I simply received a message that my escrow statement was available. 
If I had not been researching another issue, I never would have seen this increase, never known about the increase and never would have modified my automated billpay to account for the increase. 
This could have resulted in incomplete payments and put me in a position of appearing to be delinquent and unable to qualify for things such as PMI removal. 
I do not consider this to be a reputable practice. 
I voiced my concern to a company representative, but they did not indicate that anything could or would change this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I filed a dispute and sent a letter regarding inaccurate and incomplete items on my credit report. It has been well over 30 days and I have not received a response yet. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress that you have caused me. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Product: Debt collection

I was contacted by phone ( and my wife ) on XX/XX/XXXX regarding a past due amount owed to Aspire C.C. They proceeded to inform me I am being sued for an outstanding debt and this call could prevent the lawsuit moving forward. I questioned this debt and validity of the phone and they were able to provide quite a bit of personal info - a bit scary.

I was told that I would be served the lawsuit paperwork if I did not take this last opportunity to settle the amount owed. I caved in ... now I feel I am paying a huge penalty. 
They requested XXXX} on XX/XX/XXXX and continue until the amount due XXXX was settled. After this stressful situation I contacted the credit card company and they had no clue and suggested to contact authorities. I reached out to the collection/law firm per phone number and address - address is a virtual office, property manager does not have the company as a tenant/client. XXXX searches did not yield anything but article for phantom debt collections.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Mortgage

Initial date of contact withXXXX XXXX with afncorp ( American Financial Network ) in XXXX XXXX, Oregon was XX/XX/XXXX FHA Loan amount {$320000.00} A letter of approval for a FHA loan was submitted by XXXX at AFN, stating that I had been approved for the loan, all my records were reviewed by underwriting, and even my short sale of XX/XX/XXXX was approved, and we were good to go with loan proceedings. 
The only reason I proceeded with him and his company was the initial approval letter. If you speak to my realtor, he will have more stories that ended in deception other than mine. 
An offer was placed on a house, a price was agreed at XXXX. I was putting 45-50 K down. 
Each step we took in the process, we were told that we would fine that " we would never be this far in the process if underwriting had not been given the original approval ''. 
We had a 30 day escrow, I was to move and start a new job, 2 hours from where I resided at the time of original contact with XXXX. 
We lost {$2000.00} of earnst money due to we were told all was good, after having to push escrow out a few times. 
After many weeks of damages from the lender, and storage unit payments/comittments /work notices, home notices where I was moving from, a {$30000.00} student loan that was paid off ( Underwriting stated we could move forward once we showed that it was paid. This loan was in default and was on the credit report originally, we were told in the beginning it would not present a problem with underwriting, they were well aware of all issues ). 
Several events took place, the day escrow was to close at XXXX XXXX  on XX/XX/XXXX, we were notified by XXXX XXXX, a manager from the same company, that underwriting had declined our ( my ) loan. 
A home insurance policy was purchased, several hoops were jumped through, all of them documented, the area I was moving to had zero rentals, home appraisal paid for, home inspection paid for, septic inspection paid for. 
We ended up getting the house, closed escrow XX/XX/XXXX, we had to pay {$370000.00} due to agent wanted nothing to do with us, due to all the deception, none of which we caused. 
The loan at this time was obtained by my partner, a XXXX  XXXX Vet., He carried papers for me. ( FYI ).
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On Experian, the date last active is XX/XX/XXXX. On XXXX and XXXX this account isn't even on my reports. If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, An fraudulent account was opened in my name on XX/XX/2023. The account opened was a XXXX XXXX account through XXXX Bank. The day the account was opened, I received a credit inquiry alert through my credit monitoring on XXXX. I immediately called XXXX and told them I never applied for anything and they opened a case for me. I also immediately locked my credit. After hanging up with XXXX, I called TD bank to report the issue. I was eventually transferred to their fraud department who assured me they noted my information and I had nothing to worry about because they did not approve any application on with my information as I was not a customer of their. Over a week after this incident, I received a notice from TD bank that " my recently opened '' XXXX financing account requested an address change. I called TD bank again and they were able to verify an account was actually opened. I asked TD bank to provide me the supposed new address to the address change request and they would not provide me the address. I requested this to open a police report but the bank denied providing me the information. The address is somewhere in New Jersey as the person who used my information to purchased some type of cell phones to be delivered in New Jersey. TD bank opened up a fraud case this time and provided me a case number and stated they would be mailing me an affidavit to fill out that I did not open this account. TD took over two weeks to mail me this letter. Once I received the letter, it stated I must respond within 14 days of the printed dated on the letter which was day 12 from the issue date. I emailed the letter to their department ( company stated that was an option ) on Sunday XX/XX/XXXX. I have not received any update from TD bank yet. Today my credit report posted the new account and maxed out balance. I am hoping to get this resolved as soon as possible but TD bank is not easy to deal with as they state they will get back to me eventually. I will be more that happy to provide account numbers and information if needed to look into the case and make sure resolution is made. The companies like TD bank allowed this fraud to go through, ignored my call the date the account was opened and lied that an account was not approved in my name, and have information of where the persons who stole my information and shipped fraudulently purchased merchandise and will not provide it to me to file a police report. I also received text messages to my cell phone regarding XXXX trade in program that I am required to send in the trade in a face charges. I called XXXX and all they did is route me to XXXX. I am still receiving text messages from XXXX about required phone returns. Thank You!