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

my name is XXXX XXXX i have XXXX cd with pnc bank, XXXX XXXX, XXXX XXXX XXXX NJ XXXX as follows XXXX XXXX XXXX XXXXXXXX -- XXXX XXXX -- XXXX XXXX -- XXXX i made this cd on XX/XX/XXXX for 4 months. i had been told when we make cd it will be renewed itself with same time frame of 4 month. after XXXX months pnc bank renewed the cds without informing me on XX/XX/XXXX for XXXX months instead of XXXX months. 
XXXX month cd interest is near XXXX percent & XXXX months cd interest is XXXX so thats why bank renew for 3 months even XXXX was for 4 months originally. 
this kind of change of time frame without informing me is not right and i am facing the huge loss with this, bank supposed to renew the cd for the same time frame with whatever interest at that time instead of lowest rate time frame
Product: Checking or savings account

Google took {$580.00} out of my savings account. I have a savings account with XXXX XXXX XXXX XXXX. When I emailed Google, they said get ahold of my bank. So I did, XXXX XXXX XXXX XXXX said, get ahold of Google and I did, made a complaint with Google. Then Google emails me and said, they can't find a purchase of that amount. Because I never purchased anything in that amount. XXXX XXXX XXXX XXXX can't tell me what the purchase is either. Yet they let Google take money out of ( {$580.00} ) my savings account. Please help. Sincerely, XXXX. XXXX ( XXXX XXXX ) day it happened.
Product: Credit reporting or other personal consumer reports

In or around XX/XX/XXXX filed a dispute with XXXX CRA 's regarding inaccuracies on credit reports pursuant to 15 U.S.C 1681 -2 ( b ). CRA 's failed to investigate dispute within 30 days set forth by the FCRA rules. 

consumer next filed a MOV " Method of Verification '' certified letter to all 3 CRA 's demanding that their investigation provide - who did CRA speak to regarding said inaccuracy, said Furnisher 's information ; address, telephone #, time & date CRA spoke with said furnisher, copy of communication for partiers involved. CRA 's continues to provide consumer with XXXX XXXX  letter, stating that said accounts have been verified. Furthermore, CRA 's have continuously sent consumer more XXXX XXXX  letter requesting he/him to send SS and driver License to justify right to dispute, which was sent 3 times. This tactic appears to be reason not to respond within 30 days requirement. violation ( s ) 15 U.S.C 1681i ( a ) ( 2 ) ( A ), 15 U.S.C 16812 ( a ) ( 8 ) XXXX v XXXX XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit card or prepaid card

The following ( XXXX, XXXX, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. 
( XXXXXXXX XXXX  XXXX XXXX Date opened XX/XX/2016 Balance {$6400.00} ).
Product: Debt collection

I sold my car on XXXX the person didnt have a proper form to pay me after I had already given him the keys! I told him if he didnt pay me by tomorrow Id report the car stolen and involve the police XXXX He asked for my routing number and account number I gave him my new pnc because I didnt want to take a chance with my main account. I contact pnc after I got the letter the check was bounced and they asked to get a police statement I did an nothing has happened further. I can no longer open any bank accounts its causing me a great deal of stress
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I got a credit from XXXX  in the amount of XXXX dollars and the merchant and merchants bank told me they released the funds to my bank and my bank wont take off the hold so my bank has stolen my money
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 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: Credit reporting or other personal consumer reports

i have a late payment being reported by XXXX XXXX  XXXX and its in violation of The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, passed by congress and signed into law on XX/XX/year>, contains a provision explicitly addressing the FCRA. Section 4021 they reported a late payment on XXXX of XXXX  which should not have been reported i contacted them and explained the situation that i was affected by the corona virus.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX
Product: Mortgage

I PAID MY MORTGAGE IN THE USUAL FASHION AS ALWAYS ON LINE,,, THIS MONTH FOR SOME REASON ALL PAYMENTS CAME IN TOGETHER AND OCWEN COULDNT GET THEIR PAYMENT..TO AVOID CONFUSION I PUT MONEY IN ANOTHER ACCOUNT OF MY DAUGHTERS AND PAID THRU THAT ACOOUNT ON A TAPED LINE AND THEY SCREWED UP THE PAYMENT BY SUBMITTING IT AS A SAVINGS ACCOUNT NOT A CHECKING ACCOUNT THEY DID NOT INFORM ME UNTIL TODAY THAT THEY MADE THE ERROR AND TRIED TO BLAME ME BUT THEN THEY ADMITTED THEY SUBMITTED IT INCORRECTLY ... THEY TRIED TO GET A LATE FEE FROM ME AND THEN TOLD ME I CANT USE THAT ACCOUNT AS IT WAS MARKED INVALID IN THEIR SYSTEM DUE TO THEIR ERROR..THEY CLAIM IT WILL TAKE A WHILE TO FIX AND IT COULD BE MMARKED AS LATE ON MY CREDIT THET REFUSE TO GIVE ME A TIME FRAME TO FIX THEIR MISTAKE ... THEY HAVE DONE THIS TO ME IN THE PAST
Product: Money transfer, virtual currency, or money service

Binance.US has locked me out of my account for not agreeing to their new biometric facial scanning policy for logging in to one 's account. They give no option to refuse. Either you agree or you can't access your account. Also, this policy change happened suddenly, with no notice whatsoever. 

I found out later that Binance.US is being sued for illegally gathering biometric data on their clients. It seems they are now coercing consent to avoid having to pay out to clients for their wrongdoing in the event they lose the lawsuit. Or it could be the government pressuring them to do this, I don't know. I only know it must be illegal to lock people out of their accounts, denying them access to their funds, for not agreeing to it. 

I would like to have access to my account to remove my funds. I've been going back and forth with them by email. They admit that the new policy is unfair and they say they are trying to roll back the policy to allow users access to their accounts without having to agree to the invasive biometric facial scanning, but it's been more than a week and still no change has been made to allow me access. They did send me a nasty email saying I would no longer be able to use Binance.US. Funny, because I had already expressed to them my desire to remove my funds and close my account. After that, they sent me another email apologizing for the inconvenience of not being able to access my funds on their platform. 

They are clearly acting in an illegal manner. I'm not the only one affected by this obvious violation of privacy rights and denial of access to one 's financial assets ( see Binance.US on XXXX ). They should be sued on both accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, have been a victim of fraud relating to Penfed credit union. They allowed money to be stolen from me and then did nothing except back up the perpetrators. 
They lied to you, a federal agency created by the powers of Congress, yet they do not honor or recognize their disdain for integrity in replying to my complaints. Stop their harm and knowing lies and deceit here. 
I told them of the fraud, i told them to get rid of these lies and i do not own that asset. I do not insure it and it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine : fcra violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX SINGLE FAMILY XXXX XXXX TER XXXX, NJ XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NJ XXXX SINGLE FAMILY
Product: Credit reporting or other personal consumer reports

My account with those crediotrs was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

On XX/XX/year>, I received a notice from XXXX stating that they were ( rating me ) increasing my premium. I had been with XXXX for 13 years with automatic payments since day 1, no accidents, no violations, no change in coverage, persons, or vehicles insured. I called XXXX, asked why, and was told it was a credit decision. My credit score was higher at that point than it was when I had gotten the policy. I then shopped around, found new insurance, that started on XX/XX/XXXX. On the XXXX, I called and let XXXX know I was canceling my policy. XXXX continued to bill me on XXXX, XX/XX/XXXX, and XX/XX/XXXX. It was XX/XX/XXXX when I noticed the charges. I had my bank reverse the XX/XX/XXXX charge and called and emailed XXXX with proof of insurance ( Declarations Page ) from another company beginning XXXX the XXXX. I have since called XXXX XXXX more times and emailed proof of my other coverage, yet they still say I owe {$420.00}. And my policy cancelation date is now listed as XX/XX/XXXX. And I will be turned into a collection agency if I do not pay it. {$150.00} was my premium, if XX/XX/XXXX is the date it is cancelled, and I cancelled a prepayment on XX/XX/XXXX. How could I owe {$420.00}. If I cancelled in XXXX, and paid two more premiums, why would they not owe me? This is unfair leverage from a company over a consumer. They can turn me into a collection agency and ruin my credit, over a disputed amount, when I have documentation, and emails of my correspondence without any response from them? XXXX XXXX XXXX  XXXX XXXX, I dont have the time or money to continue to battle unfair practices.
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX P.A XXXX I have attached a letter with all my information thats needs to be updated on my consumer profile as well as the supporting documentation to show proof of my identity
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX  Dispute Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report, which I believe are negatively affecting my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and report a thorough investigation into these inaccuracies, required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit XXXX for failure to properly investigate consumers dispute citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB includes : Conducting inadequate investigation that failed to address consumer disputes properly. 
Reinserting previous dispute and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegation highlights systematic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on the credit reports. I am deeply concerned that my dispute may be mishandled in the similar manner.

Please review the inaccurate information being report : Under the FCRA, you are required to : Conduct a proper investigation into my dispute. Inform me of the results of yoru investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the dispute information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from any credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of these information from my credit report. 

Furthermore, I request written confirmation of the action you taken in response to this dispute if you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB or other appropriate agencies. 

Thank for addressing this matter promptly, I look forward to your response with the legally mandated 30 days timeframe. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity theft and learned that Waypoint is reporting on my credit file and it is a result of identity theft. Please remove this fraud account from my credit file immediately.
Product: Credit reporting or other personal consumer reports

Someone is applying for credit cards and its not me. Since XX/XX/2024.
Product: Checking or savings account

My paycheck was deposited and now they are saying it is locked for suspicious activity. I told them several times that there is no suspicious activity it was me trying to access my account and they refused to unlock my account or give me specifics on the suspicious activity they are seeing.
Product: Payday loan, title loan, or personal loan

Lenmo unlawfully conducted an ACH payment out of my bank account without my permission. The ACH payment was conducted on XX/XX/2020 on my bank account, with the late payment added, which I was told initially I would be refunded. I have attempted to contact them several times via email. 

I have proof of email communication, on that communication, it does not state I authorized any payment with Lenmo. The email communication has been attached with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not implement appropriate protections for consumer credit reports and their personal information. Information about the breach of public trust follows : " Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. '' " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. ''
Product: Checking or savings account

In XXXXXXXX XXXX  I used a check to purchase a product for {$1300.00}. In XXXX, I discovered the check had been withdrawn twice from my account. I submitted a dispute to my bank, USAA, and they informed me they could not do anything because it had been over 60 days since the check was withdrawn. 

I contacted the recipient of the check and we verified the check was only deposited once into his account. In XXXX, I went with him to his bank and we verified with the help of someone at the bank that he did not receive the funds twice. 

In XXXX, I contacted USAA again and they provide me with two tracer numbers as evidence that the recipient 's bank received the funds twice. 

I do not have a way to contact his bank, XXXXXXXX XXXX, because I am not a member other than to talk to the representative we met with in XXXX. I have attempted to contact that person four times, but she has not responded to my calls and email. I called on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and I emailed on XX/XX/XXXX. 

Today, XX/XX/XXXX, I contacted my bank again and they refuse to help any further.
Product: Debt collection

Wells Fargo Bank/Credit card I am not liable for this debt due to the fact that I do not have a contract with this company and they have been attacking my credit report which is illegal 42 USC 408 , 15 USC 1681 right to privacy states that they have to have written consent in order to post anything to my credit report I have sent in several notice of intent as well as notice of trespass they have not provided any information on a contract in wet ink signature of all parties
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this Matter.
Product: Credit card or prepaid card

Hi, My name is XXXX XXXX and I have been dealing with Capital One for some time now in which they fail to respond to my inquiries or answer my calls. They have been deeply affecting my credit for quite a few months now in which I was unable to come to an arrangement or agreement with this company so I am reaching out to the CFPB for help regarding this issue. Please see the attached documentation below.