23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second and final attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General. 

I assure you that it was in fact me who filed my complaint due to the negligence your company has shown in reference to my credit report and my complaint.. In fact if you do not honor my original request to delete the items contained in my previous letter, dated XX/XX/21 sent via certified mail, I will file a complaint with the Federal Trade Commission against your company as well as seek legal council for damages for the mental, physical, and emotional stress your company 's negligence in reference to this deformation to my reputation due to your false report. 

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. You have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I insist you finish your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.
Product: Checking or savings account

Today at XXXX XXXX I received notification that my Federal income tax ( {$14000.00} ) had been deposited into my account. After arriving on XXXX XXXX Chase branch, walks inside to the ATM to withdraw a large amount and each transaction was red flag, denied transaction. I proceed to wait in line to see why I was unable to withdraw funds, I was told my income tax was available but the check was pending " even if funds states available ", I was told by branch manager due to the Chase rules. I couldn't withdraw {$5000.00} ( for a security deposit for a home for me and my kids ). WHY???? My XXXX check was just available XXXX hrs prior PENDING and release. Perfect examples on XXXX issues within the system of Chase banking system.Treats people of XXXX as criminals walking into a bank to withdraw money from my own personal account..Sickening!!!! Embarrassing me, I refuse to allow Chase banking to keep me down and hold me back from life based on my XXXX. I will still open my business this year, I will still buy my home and will still be able to use my account, just not with Chase. I can't keep wasting my time crying about how i'm being treated. Chase doesn't deserve my business, Chase is not for people of XXXX and it is what it is. I just submitted my proof of income to these ppl and can't pay for the unit.. I was allowed {$1000.00}, XXXX!!! While in the bank Chase texting/emailing stating " fraud alert ''. I can return for my transaction .Chase shall see me in court!!! XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion violated 15 USC 1692c ( b ). Under 15 USC 1692 - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

This law states that a debt collector isnt allowed to communicate with any person other than the consumer and his attorney without the prior consent of the consumer given directly to a debt collector, or the express permission of a court of competent jurisdiction and the court doesnt disclose information with the bureaus. Also, me or my attorney never gave Transunion or XXXX  any permission to communicate with anyone regarding my personal information. This is identity theft. Also, I am the original consumer so only I can give prior consent to a debt collector. How am I the original consumer? I was loaned my own money from my social security card. Want proof? The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction that I am complaining about.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX City, State Zip XX/XX/2023 Experian XXXX XXXX XXXX XXXX, PA XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX , it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all above disclosures required by Federal Law. 


Yours Truly XXXX XXXX, XXXX XXXX All Rights Reserved )
Product: Credit card or prepaid card

My payments for Barclays ( Old Navy Navyist ) have been on autopay for the past several months. The payments are submitted/received every 4 weeks. I set this up after my credit line being switched over to Barclays and my due date being switched. I was not informed of the switch prior to it happening. This caused me to have two minimum payments due in one month. I called and spoke with a representative at that time who explained the switch up of due dates was because of the credit line being switched to a new lender. After adjusting my monthly payment due date to the XXXX of each month to line up with my autopay I left it alone. I confirmed that everything would be fine going forward. I have not had any issues with my autopay or payments being applied correctly until XX/XX/2023. Due to the fact that Barclays received my payment on XX/XX/2023, they are reporting that it was applied during my last billing cycle ( XX/XX/2023. They received my XXXX payment on XX/XX/2023 ), so there is another payment due on XX/XX/2023. I called and asked for explanation. They explained it was due to my billing cycle close date. I asked if the funds could be applied towards my XXXX balance due, for which it was intended. It was explained to me that there is nothing that they can do on their end because that is just how the system works. I asked who created /monitors the system because while it may run itself, there has to be some type of human interaction for when things go awry. They explained there is nothing more they can do for me, so I informed them that I needed to close the account and that I would be reporting their business tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

report number XXXX account summery : XXXX EQUIFAX XXXX I HAVE BN. SEENDING LETTERS TO EA.COMPANY THAT THE AVERAGE ACCOUNT AGE : 2YRS ... .. 9MO.

OLDEST ACCOUNT : 8YRS. ... ... 20 I CALLED AND ASK TO REMOVE THOS OF MY CREDIT REPORT .NEVER HAD THEM .I LIKE TO KNOW WHAT ARE THY FR. I WANT COPIES OF THES LOANS ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Now I see that USAA/XXXX  has now incorrect information on my credit report showing I am in a forbearance program. In which, that was terminated per agreement with USAA months ago. The balance on my account is incorrect. The payment per month does not show as well I am still waiting for all payments to be correctly reported and my FICO score to reflect I have a mortgage loan. 

No company is by law to retaliate against any consumer when trying to address issues with their loan can not be met by contacting the loan holder, company. 

USAA/XXXX even sent me a letter on the CFPB complaint a few weeks ago stating they would fix the issues and reinstate my FICO score since I have yet to receive any points from my VA mortgage loan. 

Now my credit report is worse with errors regarding my mortgage loan. Once again out of retaliation from USAA/XXXX. 

I will keep filing complaints until this serious issue is finally resolved ... going on over a year now.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit card account with your company. I have been a loyal customer, and I have always strived to maintain a good credit history with your institution. 

Recently, I observed that there have been late payments reported on my credit card account for the billing cycles ending in XXXX to XX/XX/2022. After reviewing my records and statements, I believe there might be an error or misunderstanding regarding these late payments. I would like to bring this matter to your attention and kindly request that you investigate and rectify the situation. 

LOANDEPOT.COM LLC XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or LOANDEPOT.COM LLC customer service. 

I understand the importance of maintaining a positive credit history, and I am committed to fulfilling my financial responsibilities. However, I firmly believe that there might be a mistake in the reporting of these late payments. I have always made timely payments and have never intentionally missed a due date. 

I value my relationship with LOANDEPOT.COM LLC, and I am confident that we can resolve this matter amicably. I appreciate your prompt attention to this issue and your cooperation in correcting any discrepancies in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies show inquries on my credit report without my knowledge or authorization:

- 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
Product: Credit card

On my credit report, I can see that a collections account has been opened by Resurgent Capital Services for a XXXX account that I did not open. The collections account was opened in XX/XX/XXXX for the amount of {$450.00}. The current owner is LVNV Funding, and the original creditor was XXXX. I learned that the this XXXX account is from a XXXX 's credit card account that was opened in early XXXX, but I am positive that I never opened this account. In fact, I have never purchased anything from XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I have four business accounts with Wells Fargo. The bank will not allow you to transfer more than {$15000.00} to a different bank in a 30 day period. This limit is not for each individual account, it is a collective limit for all accounts. 

On XXXX I spoke to customer service and they stated that the limit was a Wells Policy and could not be changed. I stated that these were four separate accounts for four separate entities. According to Wells personnel, that is irrelevant. They suggested wiring, which costs {$25.00} per transaction, as an alternative.

This policy is incredibly one sided. It allows the bank to keep the consumer 's money in a low interest account or charge them a high fee to move the money. It is inherently unfair and needs to be changed.
Product: Checking or savings account

I tried to transfer some fund from my Citi checking account to my other banks account. Then my citi account was locked with all my fund stuck in it. I tried to get it unlocked but was unsuccessful after a couple of calls. One representative told me that she tried to unlock my account and I could try again in 10 minutes, but after half an hour my account is still locked.
Product: Credit reporting

There is a Dismissed Chapter XXXX bankruptcy equifax refuses to remove after 7 years. There is also a judgement they refuse to remove even though the judgement was never served to me and the full name is n't on the judgement. With the judgement they have reporting on my credit report with the amount of the judgement different from the credit report. I 've tried numerous of time dealing with these XXXX issues and equifax refuses to remove the errors.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I never received the response in the mail as stated in a previous complaint filed against the same banking institution. On XX/XX/2023, I reached out for the 17th time to initiate a claim for fraud for a total amount of approximately {$40000.00}. I did the same on XX/XX/2023, and even went to a branch and sat there for over two hours to try and file a claim. I called today, XX/XX/2023, to the fraud department to obtain a case number or anything, and was bounced around to person to person and never was connected to anyone who could take the claim information or answer a single question. In 3 hours and 45 minutes ( Three hours Forty-Five Minutes ) of bouncing around with all the different representatives at Wells Fargo not a single time could I accomplish the purpose of my call. Each and every time I have contacted the Fraud Department at Wells Fargo or even call the bank I am not able to file a claim of fraud. This was the entire reason for me filing the first complaint with the CFPB which did absolutely nothing. The bank still has not allowed me to file the claim of fraud and there are too many checks to list in this complaint. I am tired of constantly wasting my time with this banking institution. If I can not get the claim filed how can anyone be held accountable for the fraud which I might add is a Class-D Felony. The Power of Attorney was allowed by the bank to cash and write checks and sign them as POA, which the POA had not been authorized to do on the account. Double-endorsed checks were accepted multiple, multiple times at the teller window. Endorsed checks did not match that of who the Pay to line is made out to or it was altered. The list is extensive and if this matter is too big for the CFPB or Wells Fargo 's Fraud Department, then I need to know who to file the complaint with as I do have tangible proof of the fraud. If you can graciously provide me with who to contact since the CFPB can not assist with fraud, I would be more than happy to contact the correct department. I will keep filing complaints with the CFPB, till I get a resolution to the fraud complaint that has not been filed in close to a year, not for lack of trying on my part, but for lack of the bank for not assisting the customer and educating their employees on how to handle fraud complaints. Even the XXXX XXXX XXXX XXXX who I spoke with the associate XXXX can not help with filing a fraud complaint. The amount of time that Wells Fargo has wasted and caused me to waste exceeds the amount of my salary I make in a year. I WANT THE BANK HELD ACCOUNTABLE! If I can not file a complaint or report fraud with the fraud department who am I supposed to report it to?
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to place a security freeze online as a precaution, as I don't plan on opening any new accounts for a while. I had zero problems placing this freeze with the other two big credit reporting agencies. It took seconds on their end. However, Experian is making me jump through unnecessary hoops. They want me to mail in proof of my identity through the mail ( copies of drivers license, a utility bill, SSN, etc. ). I find this to be  extremely anti-consumer especially because I have an account with them! Why can't I just log in to my account and place the freeze like I can with XXXX  and XXXX?
Product: Checking or savings account

I recently noticed that I could not access my account saving account. When I called Chase Bank they notified me that my account had been closed. I had only deposited a few checks and had no withdrawals on the account. It was closed within 15 days of opening.
Product: Credit card or prepaid card

Bank of America performed a hard inquiry on my credit report for a card I never applied for. I immediately put a freeze on my credit reports. I then reached out to their company and they asked for proof that this took place. I sent them the proof they asked for and received a letter stating there was basically nothing they could do about it.
Product: Credit card

Chase has continued to modify the emails on file for both my personal and business accounts. Chase continues to send emails relating to my personal accounts to my business email address therefore disclosing personal account information to those on that email. Over the last 2 months, I have called chase multiple times to fix the issue. There system continues to override settings and make automated changes causes emails to be sent to email addresses that they should NOT be going to. It should also be noted that my business account email setting can not be changed by me. I have addressed this issue as well. Chase has failed to resolve any communication issues I have brought to their attention. Chase is innately aware of the issue as I had a XXXX hour phone call with a supervisor named XXXX from missouri who eventually just dumped the call.
Product: Credit card or prepaid card

Money Network Financial has incorrect names on the XXXX XXXX XXXX XXXX. The card member services phone number does not allow for contact with a representative. The only option for changing the name requires faxing of sensitive information. No one has fax machines anymore, and the only access to such a device is at my public library which is closed until further notice. 

After much struggle I was able to authorize transfer to my regular bank and am now trying to close this account. I don't not want this account or want this company to have access to my personally identifiable information such as my social security number. There does not appear to be any way to close the account. The email contact link does not function and the phone menu does not allow for contact with a human or the option to delete the account.
Product: Student loan

My XXXX XXXX loans were transferred from XXXX to Aidvantage. All my loan information from XXXX was able to be downloaded to XXXX XXXX XXXX so I could easily track my payments. Upon transfer to Aidvantage, I am no longer able to download my loan activity to XXXX. So by transferring my loans to Aidvantage, a service was taken away from me, the consumer. Please direct Aidvantage to work with XXXX to enable consumers to download data to the largest personal finance software in the world. I should not have services taken away just because my loans were transferred. Many other XXXX users have the same issue.