23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

As a beneficiary of XXXX XXXX XXXX XXXX checking account at First Horizon Bank they were to disburse funds just under {$7000.00} to me. First Horizon chose to issue a Cashier 's check and transmit it through XXXX. Subsequently, XXXX lost the package and has admitted fault in writing. First Horizon is illegally holding my funds in violation of 12 USC, Chapter 14. Please see the email chain below which is self explanatory : XXXX, The stop payment or hold on the cashier 's check has nothing to do with First Horizon 's responsibility to provide my funds in a timely manner and on demand. First Horizon chose to disburse the funds by cashier 's check and to transmit it via XXXX, when the fastest and most secure method would have been electronic transfer. XXXX has admitted fault, in writing, for the loss of the cashier 's check. Therefore, should the check be cashed illegally the appropriate action for First Horizon to recover it's funds would be through a claim against XXXX. 
I hereby demand immediate transfer of my funds by electronic transfer. Please elevate this matter to the most senior management person employed by First Horizon as lower level personnel may confuse internal First Horizon policies, rules or regulations with Federal Banking Law. 

On Thu, XXXX XXXX, XXXX at XXXXXXXX XXXX  XXXX XXXX XXXX XXXX wrote : XX/XX/XXXX will be when the check will be reissued. 



XXXX XXXX XXXX. Relationship Banker XXXX office | XXXX fax XXXX XXXX XXXX XXXX NC XXXX NMLS # XXXX From : XXXX, XXXX XXXX. 
Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : Reason for 90 waiting period XXXX, this is the stated policy & law per my department. I asked them yesterday that stop payment will not be completed till 90 days from the date we filed the form due to compliance and state law. 





The Uniform Commercial Code, which has been adopted in one form or another by all states, generally governs rights to cashier checks. It states that a bank may dishonor a cashier check if the claimant, which may be the client that ordered the cashier check or the payee of the check, provides a sworn, written statement ( known as a declaration of loss ) that the check was lost, stolen, or destroyed. The claim goes into effect 90-days after the cashier check is issued. In nearly all other circumstances, the bank is not permitted to dishonor a cashier check and could be held liable for expense, loss of interest, and consequential damages resulting from the nonpayment of the check. See U.C.C. 3-411 ( a ). Generally speaking, though, other than the lost, stolen, or destroyed situation, a bank should not stop payment or dishonor cashier checks. 



XXXX XXXX XXXX. XXXX XXXX XXXX office | XXXX fax XXXX XXXX XXXX XXXX NC XXXX
Product: Credit reporting or other personal consumer reports

this company removed fraud accounts from my report now they are back reporting them someone has used my info and opened fraud accounts equifax is in violation of federal law and needs to be held accountable these fraud accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNTS NEEDS TO BE REMOVED THIS HAS BEEN GOIN ON FOR ABOUT A YEAR NOW THIS COMPANY HAS ALREADY COMPROMISED CONSUMER INFO FROM HACKS AND OTHER THINGS AND HAVE BEEN DOIN THIS TO ME FOR YEARS IVE SENT IN POLICE REPORTS AND ID THEFT REPORTS STILL NOTNING HAS BEEN DONE
Product: Debt collection

This is XXXX XXXX upon discovery after viewing my consumer report I see that CEO XXXX XXXX XXXX  FirstPoint Collection Resources , Inc. is reporting three alleged debt ( s ) onto my consumer report. I am invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ). I am demanding that XXXX XXXX send me verification - ( sworn under oath 28 USC 1746 ) of this alleged account pursuant to 15 USC 1692g ( b ). I am also demanding FirstPoint Collection Resources , Inc cease all collection & communication activity through any & all mediums pursuant to 15 USC 1692c ( b ) & 15 USC 1692c ( c )
Product: Credit reporting 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. 

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 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 A. states I have a right to privacy. 

15 U.S.C. 1681 Section 604 A. section 2 states : a consumer reporting agency can not furnish an 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 7 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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights a a consumer.
Product: Credit reporting or other personal consumer reports

theres serval inquiry on my account that i did not make i need them removed all inquiries or not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, STATE FARM BANK, F.S.B add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authoriza tion Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Money transfer, virtual currency, or money service

Please see the prior compliant : XXXX XXXX. The bank is not able to find the data of why this is causing a hold on the account.
Product: Credit card or prepaid card

I was a victim of what some would call a scam that involved a motel called XXXX XXXX XXXX in XXXX XXXX, North Carolina. I was not given the type of room that was expected when I arrived on XX/XX/2018. Because the room was shabby and didn't meet my expectations so I refused to stay there. I've contacted the consumer protection agency of North Carolina about my experience and did not get satisfactory help. Most importantly my credit card company was notified immediately the same day about my problem. I was asked to submit all the necessary documentation to prove my case to Capital One so that funds would not be taken from my card for this motel. I sent more than enough information to prove my case but again was denied and therefor was stuck with paying for a XXXX dollar 2 night stay that didn't happen. I've been a customer with Capital One for over 10 years and have never asked for a refund on anything until now. I don't think Capital One had my best interest in this matter because like most companies it's not gon na benefit them if the money was not charged to my account. From all the negative feedback that I submitted from other tenants about this motel it was clearly evident that this merchant was scamming me for my money. Capital One did not care about this and did not give me the representation that they should have.
Product: Vehicle loan or lease

CREDIT ACCEPTANCE CORP Account # XXXX I have concerns in regards to what you are reporting on my credit report. This account is reporting with 2 different amounts of high credit. The account paid in XXXX from XXXX XXXX XXXX due to a total loss. Upon reviewing my credit report. The company Credit Acceptance continues to report the account as open with monthly late payments as of XX/XX/XXXX for a car that has been totaled loss and not in my possession since XXXX. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

Also, the company is being sued by the attorney general for predatory lending. This lender hid the true cost of loans subjecting car borrowers to several financial distress and aggressive debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

On today I spoke with XXXX who said he was a special handling supervisor for transunion. I explain to XXXX that their are inquiries that are connected to my report that does NOT belong to me. She was very rude and stated " what do you want me to do about it ''? That I needed to contact the creditors because it is not their job to correct theses errors. I explained to him that I have been going back and forward about this between transunion and the creditors and no one seems to be able to assist me with this issue. His response once again was " What do want me to do and are you done ''? Along with a CH. XXXX that continues to show on my credit which was removed and placed back.
Product: Payday loan, title loan, or personal loan

This company has not responded to written request for account information and receipts for payments I sent in. Now they sent me a letter 4 days before due date {$690.00}, again with no interest info, no balance info, no response to emails sent XX/XX/2020 ; review of audio I send via email showing the predatory actions of your companys previous XXXX XXXX, va location. They have not contacted this entire time via usps as requested in my CAD ; that requires in writing communication or litigation. On my audio i showed you employees acting as others employees ( that were off that day ) just to talk about account and set up payment arrangement. Then when i would call back with the payment for payment arrangement the employee that I was told ai was speaking to would say I was off, you couldnt have spoken to me and im not accepting that payment. This happened three times ; their intention was to have the interest grossly accrue/induce charges due to my balance being over {$6000.00} at over 301 %. I even filed FTC complaint XX/XX/2020 ; in the companys response they lied about everything ; so I sent a copy of the letter and proof that it was lies from your counsel ; again no response from company. False statement such as saying I sent payment to wrong service center, I opened and only ever dealt with XXXX XXXX, va location. In addition you XXXX, va location processed one of the several money orders I sent but not others so that is unethical to choose when you want to practice the truth.
Product: Debt collection

The demo was {$300.00} submitted through speedy cash.com in XX/XX/XXXX. The amount owed is {$630.00} which is the wrong amount. This has been on my credit report for longer than 10 years and I want it deleted.
Product: Debt collection

Due to underemployment and XXXX XXXX XXXX and XXXX, my part-time work earnings could no longer pay my mortgage as of XX/XX/XXXX. I am seven months post-XXXX hearing and the judge on my case can not make a decision. I never dreamed I would be waiting this long for back pay owed me under XXXX after working full-time over 43 years of my life. I started collecting Social Security on XX/XX/XXXX which is helpful added to my part-time salary. SLS is the debt collector for XXXX who holds my mortgage. I applied and they denied me mortgage assistance this spring. I spoke with XXXX XXXX and participated in a lengthy financial counseling session with XXXX XXXX XXXX as advised. I also applied online and traveled to HUD on XXXX XXXX for a Home Keeper grant. While visiting my only surviving relative, SLS mailed threatening paperwork for a Trial Period Plan demanding payment of {$1100.00} byXX/XX/XXXX or my home would proceed to foreclosure. I found it odd that XXXX XXXX would be a deadline date in this country, but I called SLS that day after arriving home and no one answered or returned my call. When I spoke with XXXX, the newly assigned SLS Relationship Mgr. days later, she was abusive, threatening to assign a sale date to my home if I did n't cooperate. She said, and I quote : " You 're not taking this seriously. '' I was crying and in XXXX XXXX. I explained that I had a HUD meeting for a grant to cure my mortgage loan coming up on XXXX XXXX and she said government programs take a very long time, I 've seen many denied and just remember, get the money in by XXXX XXXX or your home is for sale. I spoke with XXXX XXXX and they told me to report XXXX. She is NOT the Sheriff and is NOT in a position to threaten to sell my home.
Product: Credit card or prepaid card

I purchased what was supposed to be specific models of keyboards, I was sent cheap imitations that were not only wrong, did not work. I provided Citibank proof including a letter from a technician stating that the equipment was in fact damaged, but Citibank chose to allow me to be defrauded. I still have the merchandise, I was given an address in XXXX which would cost me more than the order to return! Citibank is complicit in assisting this merchant to defraud me.
Product: Checking or savings account

I purchase many items such as an air fryer/ mircowave on XX/XX/2023 and return items to XXXX XXXX XXXX XXXX because my son couldn't use items because he had purchase already. days went by and no store credit. I called bank of america and representative stated they were refunding my whole receipt amount for {$230.00}. Now in XX/XX/2023 they have readjusted my acoount to over draft of {$230.00} and tooken {$25.00} that was in my account and still over drawn weeks later.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I contacted all ( 3 ) Three Credit Bureaus, over the phone and also online submitted dispute ( s ) pertains to all of the incorrect information on my file. ( It was brought to my attention that my identity had been breached. ) See Below ; ( None of the addresses on file are correct ) My only address is XXXX XXXX XXXX XXXX XXXX La. XXXX Need to be Removed ( See Below ) XXXX XXXX XXXX XXXX XXXX, LA XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX LA XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, LA XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Other XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX My Only XXXX # has been XXXX Please Remove Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Account that were Never Mine : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NOTE : According to Code U.S.C 1681 Sec. 602A States that I have the Right to privacy.

U.S.C 1681 Section 604 A Sec. 2 My Privacy should be furnish without my written consent.
Product: Consumer Loan

This is the second time we have had to file a complaint against Ally Financial. Once again our vehicle loan was paid in full. And again Ally will not release the title, saying additional monies are owed. Our previous complaint filed with you resolved the issue, hoping to meet with the same result this time. We need our title
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries on my report all dated XX/XX/XXXX, inwhich I don't have any knowledge of, and according to the law of the FCRA if this is not met with tangible documentation then said accounts and/ or inquiries shall be removed.
Product: Debt collection

I have no personal knowledge of Brown Collection service. I have no idea why this particular service is reporting on my consumer report without written authorization with myself. 
I've disputed many times yet the company to come back and verify the debt without ever actually speaking to me the person or sending me any written correspondence. This is causing my personal emotional distress and stress overall.
Product: Credit reporting or other personal consumer reports

I am disputing an account that appears on my credit report under the name of XXXX XXXX XXXX, which I believe was opened fraudulently without my authorization. Here are the relevant details : Account Opened : XX/XX/XXXX Account Balance : {$XXXX} High Credit : {$XXXX} Status : Derogatory, transferred to collections Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX I became aware of this account when reviewing my credit report on XX/XX/XXXX. I have no knowledge of this auto loan or any interactions with XXXX XXXX XXXX. The account includes comments stating it has been transferred to recovery and assigned to an attorney, collection agency, or credit grantors internal collection department. 

Actions I Have Taken XXXX. Notified Credit Bureaus : I filed disputes with XXXX, Experian, and XXXX on XX/XX/XXXX, requesting verification of this account and its removal from my credit file, as it does not belong to me. 
XXXX. Filed Government Complaints : I filed complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, describing the fraudulent nature of this account and its impact on my credit. Case numbers are available upon request. 
XXXX. Requested Information from XXXX XXXX XXXX : On XX/XX/XXXX, I formally requested verification and documentation of the account from XXXX XXXX XXXX. 

Impact This fraudulent account has negatively affected my XXXX XXXX and financial standing. I have no record of signing or agreeing to this loan, and I have taken all steps within my ability to dispute this fraudulent activity. I respectfully request XXXX XXXX XXXX to promptly investigate this matter and provide any necessary documentation to resolve this issue. 

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

This account XXXX  XXXX XXXX XXXX being reported only by Experian is NOT mine. Please provide Verifiable Proof ( an original Consumer Contract with my Signature on it )
Product: Debt collection

I am receiving a Debt collection notice, when my employer was suppose to cover my medical visit under workers compensation. They have yet to pay it and I keep getting harassed about it, when I have explained to the company multiple times it was under workers compensation and they said they would contact them to have it taken care of. The business is XXXX XXXX in XXXX, Pennsylvania.
Product: Vehicle loan or lease

I entered into a payment plan on XX/XX/15. Capital one offered a payment modification for my auto loan. I was told to make several smaller payments in a short amount of time to get the account caught up. I was relieved for the help and I have made the payments as indicated. Today, I was alerted to a delinquency for this loan and I was a bit confused. My wife and I called Capital One right away and found out that the arrangement they made has nothing to do with trying to keep the account from delinquency. They had a letter generated on the day of arrangement but cant share it with me so I cant confirm those details. In the first conversation in XXXX, it seemed as though the arrangement would protect us from delinquencies as long as the payments were made. If there was a possibility that it would be late over {$100.00} as reported today, I would have made that extra {$100.00} in the payments to keep it current.
Product: Payday loan, title loan, or personal loan

There is a XXXX XXXX account number XXXX my credit report that is still showing on my report that should not be there. It has been over 7 years and they should be dropped off my credit report.
Product: Debt collection

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

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

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

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

I have tried to contact US Auto multiple times because they are claiming I have a car loan with them. I have never purchased an auto from this company, I have never registered a vehicle in which they were the lien holders, I have never signed any papers or took possession of any vehicle from this company. I have tried to contact them multiple times, I have sent them multiple requests demanding verification that I am the debt holder, they have refused to provide. The only way I even found out about this debt is because it showed up on my credit report. I have compared credit reports, and found that this was not reporting as an open loan during the time US Auto claims it was opened, instead, 2 years later, they just added a closed account to my credit report, which is also very odd.