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

On XX/XX/XXXX Account Holder XXXX XXXX filed a police report for Global Credit Union 's Accessory before-the-fact of several Felonies and Misdemeanor conducted against Their Business Account Holder XXXX. 

https : XXXX XXXX can be held liable if they fail to perform Accounting Policy/Procedures, for example, Reading the Dollar amount, having a colleague review higher transactions, and holding checks {XXXX} or kore 2- 7 business days in order for transparency and also to spot fraud and not abiding and federal reimbursement codes OVERVIEW Sunday, XX/XX/XXXX : XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX ( XX/XX/XXXX ) AS XXXX Burglary in the Second Degree intentionally walked into XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX to AS XXXX ( XXXX ) XXXX XXXX ) ( XXXX ) or also deprive XXXX and XXXX XXXX personal Business Account out by {XXXX} ( verbatim ) Bank negligence, occurs when a financial institution breaches the duty of care that they owe a customer resulting in financial loss, and from the XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX ). Global Credit Union XXXX XXXX ( name unknown ) violated XXXX XXXX XXXX or XXXX XXXX & procedures and also against components of the Federal Reserve Consumer Protection Regulations became an Accessory before-the- fact to XXXX XXXX XXXX AS XXXX Theft in the Second with directly aiding suspects for their {XXXX} Fraudulent Check and indirectly contributing XXXX XXXX XXXX an Official Global Credit Union Deposit Receipt of {XXXX}. As a result, XXXX  & XXXX said we deposited, owed amount of {$XXXX} with our {XXXX} Settlement Check, and in return would appreciate our {XXXX portion now please. 
outcome : Alongside, a Official Global Credit Union Deposit Receipt and also {XXXX} Deposit Confirmation made from a Global Credit Union Bank XXXX : Global Credit Union XXXX XXXX XXXX paved a XXXX XXXX way for XXXX XXXX XXXX AS XXXX theft in the Second Degree of {$XXXX}
Product: Money transfer, virtual currency, or money service

Gemini wont let me add funds to my account until my account is verified. No timeline is given on how long verification will take and I had already sent them pictures of my I.D . a week ago.
Product: Credit card

Per the attachments, I requested the balance on my Comenity VISA to be distributed to me. Per federal law, Comenity has seven business days from the date of my acknowledged notice of XXXX to have mailed to me my balance. Seven business days would be XXXX. Because I did not receive my money from Comenity by the required time, I had to take an advance from my XXXX credit card, pay a 3 % advance fee, and pay 29.99 % interest. I am damaged by Comenity 's intentional act to ignore federal law. 

Because close to 24 hours have passed and my official notice of my request to close my Comenity Visa has been ignored by Comenity, I have attached that message here.
Product: Debt collection

I was Evicted from my home in XX/XX/2017 I paid all my debt from the landlord and then a year later the name Hunter Warfield showed on my credit report. I was never given a notice about this charge, and what is it for.
Product: Debt collection

I received by mail a notice of collection from a company ( PennCredit Corporation ) I never had any comercial relationship representing an Utility company ( XXXX ) for a debt ( XXXX dollars ) in an address I never requested or had any contract for electricity.. 
I never received any call, just a letter dated XX/XX/XXXX in which they ask me to dispute the validation of the debt but today XX/XX/XXXX I received a notification from my credit monitoring indicating that PennCredit Corporation already put this account in my credit report in clear violation of the FDCP.. Less than a week of receiving a letter and they are asuming this debt belongs to me without giving me the oportunity to reply according to the regulations for collections company number XXXX in the consumer affair of New York XXXX 
Also the Credit Bureau and PennCredit are hurting my score by placing false information in my report ... 
PennCredit Corporation violate my right tp request validation of debt in writing and placing a false debt to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent in a request for verification on the account : Snap On Credit Account Number : XXXX No verification documents were sent. 
On XX/XX/2021 I disputed the date of last active on XXXX, TransUnion, and XXXX. Again, no documentation was provided nor was a comment added on to my report stating this account was disputed. 
On XX/XX/2021, i sent another dispute letter stating i still had not recieved verification also they have not updated the comments stating i have been disputing this account.
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of a data breach, which has resulted in unauthorized accounts and inquiries appearing on my credit report. Under the protections provided by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the items listed below from my credit report. 
Accounts : 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 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 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 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: Mortgage

I have a first mortgage with Fifth Third Bank, XXXX, Ohio. I am in a flood plain and purchased flood insurance in an amount exceeding the bank 's interest in my property. Fifth third has chosen to force place additional flood insurance on my property to cover a second mortgage line of credit that does not exist ; in effect insuring a phantom bank product. I have informed Fifth Third at their XXXX XXXX  branch both verbally and in writing of this error in both XXXX and XX/XX/2020 ; and Fifth Third 's Insurance department in XXXX, Ohio also in XXXX and XX/XX/2020. Correspondence from Fifth Third 's insurance dept are not signed personally ; only signed " Fifth Third Bank Insurance Department ''. Fifth Third Bank 's correspondence is signed " XXXX XXXX, XXXX XXXX XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an existing issue with XXXX and XXXX  XXXX account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and different dates last reported that are not in proper METRO 2 format and the account do not reach FCRA requirements.. 
I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. 

15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting.

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in XX/XX/XXXX my wife and I reached out to Franklin American Mortgage Company to get a loan modification. From that point until XX/XX/XXXX they continually pushed off a decision from the underwriter by asking for information that we had to provide. The items they wanted were items like Proof of Flood Insurance, Proof of Escrow Account, Proof of Home Owners Insurance. All of which are items that a ) they already have because they pay them, and b ) We had to contact them to get the proof the underwriter needs. 
They in XX/XX/XXXX we were served by there law firm on a Friday night that they had started a foreclosure proceeding. We were never notified that the loan modification was denied. We received a letter 4 days later of such. 
Subsequently, in XX/XX/XXXX the loan was sold by Franklin American Mortgage to Citizens Bank, NA. 
In XXXX of XXXX I had a court conference with Citizens Bank. A loan modification was started. 

In XXXX of XXXX Citizen Bank Home Loan and I were approved for a loan modification, which was approved for a trial period. The trial period was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During that period all payments were made ON-TIME, and in accordance to the loan modification. 
I found out about the issue in XX/XX/XXXX. I noticed that from XX/XX/XXXX thru XX/XX/XXXX Citizen One Home Loans reported my payments as 120 days past due, when in fact they were not. When I spoke to Citizen Bank Home Loans, they agreed that this was an error. They removed how it was reported to NOT REPORTED. Recently I found that they changed it back to 120 DAYS LATE.

I have confirmation from both my bank and Citizen Bank Home Loan from at the time I made the payments that they were credited to my account properly.
Product: Checking or savings account

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Re : Complaining about United Bank and its associate Dear Consumer Financial Protection Bureau : I am writing to complain about fraudulent service of United Bank. 

I have three accounts at United Bank. During covid-19 pandemic period, the bank blocked my debit card and online account access. Additionally, the bank sent at least three duplicates, exactly the same statement with same account number, every month and then charged me so-called undelivered documentation fee every month. Furthermore, the bank charged me dormant account fee since late XXXX after I complained to them in person regarding the absurd charges on my account. 

Recently in late XX/XX/XXXX, I visited Unite Banks XXXX VA branch and spoke with its assistant manager XXXX XXXX. The bank associate was very rude and unwilling to help. She asserted that the bank was unable to remove dormant account fee. As to the dozens of undelivered documentation fee charged, she stated that the bank would only refund three months fee. She did not acknowledge or apologize for the banks wrongdoings which caused customers a lot of troubles. 

What United Bank has done is abosolutely wrong and may implicate fraudulent business practice. The United Bank of course has no right to charge dormant fee and undelivered documentation fee every month especially when they intentionally blocked customers account access and when a customer complained in person about their service.

I sincerely hope the Bureau investigate this outrageous deceptive behavior. I believe numerous persons had been damaged and cheated by United Bank because of their fraudulent business practice. 

If you have any questions concerning this letter, please contact me at XXXX XXXX XXXX, XXXX XXXX, Virginia XXXX. I can also be reached at XXXX Very truthfully, ________________ XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a delinquent account reported on my credit from USAA for approximately XXXX. I was never made aware there was a bill that needed to be paid until I pulled my credit report. I never received any notice by mail, email or phone. When I tried to call to get this rectified I was told they cant do it and to go back to the credit reporting company. 

I have never had a delinquent account with them and again never received notice of an amount or balance on the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer 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 the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

This is a violation of my rights. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

I 'm filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank You.
Product: Credit reporting or other personal consumer reports

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the XXXX. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX Late Payment {$24000.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Collection {$3100.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX Collection {$8400.00} XXXXXXXX XXXX  | XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX | XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of identity fraud need account removed from credit
Product: Checking or savings account

On XX/XX/XXXX I went in person to a Regions branch to file a dispute associated with my checking account. That representative did not properly file the claim. I called Regions by phone XX/XX/XXXX and spoke to a XXXX XXXX who stated she would reopen the claim and asked me to send additional documents which I did. On XX/XX/XXXX I called to speak with XXXX again but was told she was not there at all that day and she in fact did not reopen the claim. That person claimed HE would reopen the claim. On XX/XX/XXXX I went into a XXXX FL branch and spoke with a XXXX XXXX about my claim. She did not offer any explanation regarding my disputed claim. I asked why ANOTHER {$36.00} fee was added on. She stated it happened due to a transaction for {$1.00} being held back and then put through when there was no or low money in the account. The fees are now up to {$210.00} related to this XXXX XXXX disputed claim in the amount f {$330.00}. My total loss is {$550.00}.
Product: Credit reporting or other personal consumer reports

Details of Complaint : I previously filed a complaint with the CFPB on XX/XX/year>, which highlighted Experians failure to investigate disputes, block fraudulent accounts, and provide proper reinsertion notices. Despite this, Experian has failed to resolve the following items on my credit report : 1. XXXX ( Account # XXXX ) : Fraudulent account linked to identity theft, with a balance of {$2500.00} and late payments added. Despite being disputed multiple times, Experian has ignored or failed to investigate this account appropriately, violating FCRA 605B and 611 ( a ) ( 1 ) ( A ). 
2. XXXXXXXX XXXX ( Account # XXXX ) : Reinserted without notice ; no evidence of verification provided. 
3. XXXX XXXX ( Account # XXXX ) : Reinserted with derogatory marks, violating reinsertion protocols. 
4. XXXX XXXX ( Account # XXXX ) : Verified without proper investigation. 
5. XXXX XXXX XXXX XXXX : Ignored entirely despite valid identity theft claims. 
6. XXXX XXXX XXXX ( XX/XX/year> ) : Not removed despite prior disputes. 
7. Incorrect Address ( XXXX XXXX XXXX ) : Remains listed on my report. 
Applicable Violations : FCRA 605B : Failure to block identity theft-related accounts.

FCRA 611 ( a ) ( 5 ) ( B ) : Failure to issue reinsertion notices.

FCRA 609 ( a ) ( 1 ) : Failure to verify disputed information.

Harm Caused : Experians actions have led to : Financial harm and increased interest rates due to inaccurate derogatory items.

Emotional distress and wasted time resolving these issues.
Product: Checking or savings account

Let me start by saying that I have been a customer of BOA since I was XXXX years old which is now 30 years and have never had a problem until now. 
XXXX-Bank of America cashed a check in the amount of {$5600.00} for a person that fraudulently forged my signature. I had been waiting on a check from my mortgage company for escrow funds. I never received the check and when I called the XXXX mortgage company they told me that the check had been cashed. I wasn't even in the state when the check was cashed. I filed a Safety Issue claimed on XX/XX/2021 XXXX PST with XXXX  he said it would take at least 10 business days to hear back from BOA but it is now XX/XX/2021 and no response has been received. I have filed a police report, reported to XXXX ( issued the check ). I don't understand how a bank teller could have cashed a check for someone with no identification.
Product: Checking or savings account

On Friday, XX/XX/XXXX at XXXX I looked at my checking account and see what my available balance was so I can transfer my funds to another account.US Bank indicated that as of XX/XX/XXXX XXXX my available is {$590.00}. I proceeded to transfer all of {$590.00} to another checking account. 

The next day I took another look at my US bank checking account again and I was shocked that they charged me with four ( 4 ) overdraft fees of {$36.00} each and balance was negative - {$680.00}. I immediately called them and asked the rep what happened to my account resulted in a negative XXXX. She said I had transactions that were still pending. 

If I had transactions still pending, why would they indicated that, as of XX/XX/XXXX XXXX my available amount is {$590.00}? 

Thats just deceiving and tricking customers into believing what they have available then charge them with overdraft fees. Thats not difference than stealing money from someone. US bank STOLE MY MONEY! Why would they have sick practice that is so unethical? 


I told the rep that If I transfer the money back to my checking account, would she able to remove the overdraft. She said no and they are not willing to work out anything with me. 

I am speechless and angry the fact that I was willing to work with them by undue my transfer in hope that they would reverse those overdraft fees but they said they wont do it and my account remained negative. 

They set up this trick to steal my money and others peoples money. US bank is a big thief and they will not return my money
Product: Credit card or prepaid card

This has happened twice. I submit my payment. According to the card company, the payment doesnt go through and they did not notify me of any issues prior to the due date to allow me to submit another payment or even explain to me why that payment didnt go through so I can deal with the bank. The first time I didnt get a screenshot so I had no proof of submission. However, the second time I did. I called them and complained about the effect their laziness has on my credit and here we are, my credit has fallen 175 points. Yet Ive never actually made a late payment. And it concerns me that when I call them, Im basically told that because they didnt take the payment out, that I didnt pay it. Theyve added remarks to my credit report and refuse to do their part in looking in to reported issues.