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

A check was stolen from our checkbook and cashed for {$2000.00} by an unknown person. We alerted XXXX on XXXX/XXXX/XXXX before the check had cleared that this check was fraudulent. They did n't stop the check. 

After the check had cleared we filed a claim of fraud with XXXX. They informed us that we should NOT contact the police, that they would do an internal investigation and refund our stolen funds. 

On XXXX/XXXX/XXXX they denied our claim, stating that we " benefited from the funds ''. When we tried to contact the number they provided the XXXX representative refused to put us in touch with a XXXX who could explain this decision. 

We are seeking to have XXXX return our funds.
Product: Credit reporting or other personal consumer reports

several fraudulent accounts were opened in my name without my authorization, including accounts with XXXX XXXX XXXX ( {$870.00} ), XXXX XXXX ( {$2200.00} ), XXXX XXXX XXXX, and others. I promptly disputed these accounts with Equifax, providing supporting documents to prove the fraud. Despite my efforts, Equifax conducted what I believe to be a sham investigation, failing to remove these fraudulent items from my credit report. 

Additionally, Equifax has a history of mishandling credit reports, as evidenced by the XXXX  coding error that affected millions of credit scores. My case appears to have been mishandled in a similar way, as Equifax did not thoroughly investigate or resolve the issues despite clear evidence of fraud. 

I have also learned that the companies involved in these fraudulent accounts have a record of regulatory violations : XXXX XXXX XXXX was fined {$24.00} XXXX by the CFPB for illegal debt collection practices. 
XXXX and XXXX XXXX were fined {$89.00} XXXX for mishandling transaction disputes and misleading consumers about interest-free payments. 
XXXX XXXX was ordered to pay {$3.00} XXXX for widespread mismanagement of auto loans, wrongful repossessions, and misapplied payments. 

I have made multiple attempts to resolve this issue directly, but Equifax continues to report these fraudulent accounts, which has negatively affected my credit score and financial standing. I am requesting that all fraudulent accounts be permanently removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Debt collection

Checked XX/XX/2020 monthly credit report and noticed that the following company has included deragotory info on credit file I have no knowledge of the company, debt amount reasons for debt Need origination of company, -What -When -Why -How Southwest Credit System XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX amount {$68.00}
Product: Bank account or service

This complaint is in reference to my account at TD BankRouting Number : XXXXAccount Number : XXXX opened a TD Convenience Checking account on XXXX XXXX 2015 with a deposit of {$100.00}. 
One of the requirements for this account is to maintain a balance of {$100.00}. 
I have never made a withdrawal from this account. 
Due to a bank error with their website/back-end I was unable to sign up for online banking online. This forced me to go into the branch to get online banking setup. By this time the first statement had closed and I was charged a {$1.00} " Paper Statement Fee '' on XXXX/XXXX/2015 which caused my balance to drop to {$99.00}. 

TD recognized this error and refunded the {$1.00} within on XXXX/XXXX/2015. 
The problem is, however, that this caused my average daily balance for the statement cycle to be below {$100.00}. This caused their system to charge a {$15.00} maintenance fee in the next statement on XXXX/XXXX/2015. 

TD again recognized this error and refunded the fee on XXXX/XXXX/2015, however, again the " average '' daily balance was again below {$100.00}, and thus generated a {$15.00} maintenance fee in the next statement on XXXX/XXXX/2015. 

Again TD refunded the fee on XXXX/XXXX/2015. To stop this cycle they had created. I added an additional {$100.00} on XXXX/XXXX/2015 to make sure the average balance could not go below {$100.00}, but they charged the fee again on XXXX/XXXX/2015. 

This time they are refusing to refund the latest {$15.00} Fee even though this whole ordeal was originally caused by an error on their website.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX : XXXXXXXX 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 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 terms 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: Debt collection

I was contacted initially on XX/XX/XXXX regarding a balance owed to the original creditor XXXX  XXXX XXXX at XXXX XXXX. I then spoke with someone on XX/XX/XXXX regarding this matter and was told that I would need to reach out to the original property management for proof this was paid. I did so and was provided with an email from the region property manager of the original property management company stating that she saw where the payment was made, then later refunded, and that the collection agency should not be trying to collect for this. I have provided the payment confirmation letter as well as a statement showing that this amount was paid back to me and later refunded. I was then told that although this has been refunded back to me I am still responsible for the amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX,  XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to request the update or removal of the late payment entry listed on my credit report for XXXX XXXX XXXX and XXXX XXXX, as it is incorrect and does not accurately reflect my records. Additionally, I have noticed an unauthorized inquiry on my credit report that I did not authorize and would like it removed. 

Both of these items are negatively affecting my credit score, and I kindly ask that you investigate and take the necessary action to resolve these issues. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to XXXX XXXX XXXX XXXX and they said they was going to send to one bank but they sent to several Listed below 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: Debt collection

In XX/XX/XXXX I notified Equifax to remove a old consumer statement from XXXX on my record and they say it will be removed within 72 hours or less it is now XX/XX/XXXX and the Consumer Statement is still on my Account after requesting 7 Times for the Consumer Statement to be removed! I need urgent assistance from the CFPB to completely Remove the Consumer Statement.
Product: Checking or savings account

I do not agree with my banks solution about my claim, the case number is XXXX, they want to close the case saying that I authorized the two transactions, but I never did such thing, I even called them telling them to not authorize those transactions because they were not made by me. I feel like my rights with the bank are not being taken into consideration and I need this claim to be resolved and get my money back.
Product: Credit reporting or other personal consumer reports

XXXX removed the alleged debt from their credit file. Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by 83 points to XXXX. 
Nothing material has changed on my credit reports to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the credit bureaus to restore my credit score back to XXXX. 
This is yet to be done.
Product: Vehicle loan or lease

I am disputing this Santander account. 
due to so much inaccurate information. 
Reporting date " last active '' with XXXX XX/XX/2018 but tho other two bureaus are reporting XX/XX/2018 and XX/XX/2018 I am aware that Santander were in trouble with the CFPB for predatory lending I am a victim here and the exact same thing is happening to me.
Product: Checking or savings account

My phone was cloned, and my information was stolen and XXXX was accessed and money was sent out of my account over the course of months. Same thing happened to one of my other accounts and i am frustrated at this point
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Complaint ID : XXXX I can not respond to this complaint, or other recent complaints on the CFPB website. I get an error message ( " Survey Not Found '' ). Older complaints that I have still not responded to, I am able to. Therefore it is not a technical issue on my end. Additionally I called the CFPB over this twice. The CFPB agent was also not able to access the survey using their own system. Clearly a CFPB employee/contractor has XXXX my ability to respond to complaints within the salesforce database that CFPB uses. I have submitted a complaint to XXXX ( FBI ) over this. Clearly there is someone acting on behalf of the banks that has infiltrated this government agency and is conspiring to prevent me from exercising my right to create a record of what is happening. As to the specific complaint ( XXXX ). Again. I am not and have never claimed identity theft. I am calling out multiple bank failures and associated criminal activity that was exposed to me by the collapse of XXXX. I am not paying the Nelnet loans because I need a bank in order to process XXXX  payments, and there is no XXXX  bank that is untouched by this fraud, and therefore I have no dollars to repay the debt. I will not have any XXXX  for the foreseeable future, or maybe ever if this is not resolved .... I am owed XXXXXXXX XXXX XXXXs by these XXXX  and bankrupt " institutions '' .... I will never be making another deposit. So your loan will never be repaid. It is not my fault. I have never even made a late payment to a creditor once in my life. Look at my credit report I stopped paying AFTER I was defaulted on, on election day in XXXXXXXX XXXX XXXX. My collateral was lost by the banks, so that's it. It's gone. Good job, you robbed yourselves. ( NOTE : I CAN NOT ATTACH DOCUMENTS TO THIS COMPLAINT. XXXX ERROR AFTER IT PROCESSES THE DOCUMENT )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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

This company, Credence, says that I owe them money and that my account is in collections when that its not true. I owed XXXX XXXX XXXX for equipment they CLAIMED they never received. I paid XXXX XXXX XXXX, not this Credence company as I don't owe them anything. I paid XXXX XXXX XXXX  XXXX. Yet this company placed this on my report as a collection and in turn XXXX dropped my scored by XXXX points. I contacted XXXX and they removed it. Yet XXXX has not responded. I showed them proof. I contacted Credence and gave them the proof, although I dont know why I had to do that when it is an XXXX XXXX XXXX  account. So they should be in this complaint as well. Yet, Credence still sent this to the credit bureaus AFTER the fact. This is causing undue stress.
Product: Debt collection

I was notified of the lingering debt for XXXX dollars after trying to receive help 4 months on end from XXXX XXXX. Since then my English has gotten better but at the time hardly understood the directions and making the payment and why the payment continue to adjust an order for me barely not to be able to afford it why they stepped on unbelievable he's on top of each other. Several times I my vet reached out for help hanging directions on how to properly play an explanation of the fees. I never once got any sort of bilingual assistance. The den tone is significantly different from the amount borrowed and they have yet to furnish proof for that amount. From what I read in the library this violates the Fair Credit Reporting Act and Fair Credit Lending Act since this would be considered a fraudulent loan through to the violations of the bank Promises of everything fine. I had no problem selling me alone in XXXX but servicing alone and making sure I was okay it was a different story. The account should be eliminated from my credit because of the Fair Credit lending violations so that my family and I can live the American dream. From what I have read this Shady collection agency attempts to collect more than 900 over the original debt and we'll practice any short of abuse in order to get me to pay what I do not owe
Product: Checking or savings account

Bank would not cash a check that was endorsed by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is with XXXX XXXX, for my XXXX XXXX account, account ending in XXXX This account was charged off/written off. After it was charged off, I contacted XXXX  to pay the balance off and that 's when they told me it has been charged off, but offered me a settlement amount, which I declined, because I wanted to PAY IN FULL, because I needed this account deleted from credit report, as I am trying to buy a house, as I explained to my account manager there, XXXX XXXX, ext XXXX. She said once the debt is paid to send a letter to their credit dispute reporting department to have it removed from my report. when I contact them to dispute, the only thing they keep doing is updating the status as " paid collection '' I also was told I would get a paid in full letter, but I have not got one yet, so I called my account manager again XXXX to ask for one and her words were " oh you have not gotten one yet, ok I 'll get one out to you '' Since I paid this account in FULL, I am no longer responsbile for this debt Also, XXXX still collected the full balance on this account from me after they had already written it off as profit and loss, so they got double paid. I am asking once again for XXXX to please delete this account off all three credit reports, as I have paid my debt in FULL and they were compensated twice, when they wrote this account off as profit and loss and their taxes and when I PAID THEM IN FULL. I am still waiting on my PAID IN FULL LETTER, so I can have in case I need to further dispute this account by other means,
Product: Credit reporting, credit repair services, or other personal consumer reports

i was purchasing a car from XXXX XXXX and when i looked at my credit report there were several hard inquiries that i did not approved. I was given XXXX XXXX but several other inquiries from other loan companies. I told equifax but no help.
Product: Money transfer, virtual currency, or money service

i believe that it wS a mistake to close my paypal account. I am using my paypal account for my online XXXX XXXX we are XXXX XXXX and XXXX XXXX  since XXXX XXXX week of this year. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Take care
Product: Credit card

I called and asked why they closed my account, they said they had the right to close my account anytime for no reason. I feel they closed it because I am XXXX I feel discriminated against!
Product: Credit card

on XX/XX/XXXX I made a purchase at XXXX XXXX in the amount of {$760.00} with 18months no interest if paid in full. When I realized the card company was charging interest I opened a dispute on XX/XX/2023. Subsequently, the case was closed without contacting me, allowing me opportunity to present evidence of my claim, etc. I've tried on numerous occasions to upload the receipt supporting my claim, I've tried using the chat function to figure out how to provide the receipt, today ( XX/XX/XXXX ) I called customer service. The representative refused to help resolve my issue, claiming I only have one interest promotion on my account, neglecting to understand I have the receipt for the second interest promotion. Her solution was for me to go to the store and have the manager call citi, or to mail the receipt to their po box . Both solutions requiring more effort and time on my part when we are in a digital age and could have easily emailed her the receipt to review and resolve the issue.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf regarding late payments on my credit record. After reviewing my records, I discovered these late payments. Despite sending letters over 30 days ago, I have not received a response or satisfactory validation. I kindly request your assistance in resolving this matter promptly and effectively.