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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CARMAX AUTO FINANCE XXXX Balance {$9900.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I Zelled money ( {$180.00} ) from XXXXXXXX XXXX to Truist bank. The money was received on XXXX however the money was held by Truist and not made available until XXXX. I was going to buy the crypto and my coin skyrocketed. I then receive a fee. This has happened more than once. If XXXX knows the money if from bank to bank what is the problem and why do they keep holding moneys back? Rhetorical- collecting fees.
Product: Credit card

Goldman sacks authorized an electronic fraudulent transaction to XXXX XXXX XXXX on XX/XX/year> for {$230.00} and after filing 3 disputes with them I keep getting the same generic response based on available information I am liable for the charges while I NEVER worked with XXXX in my whole life! 
They are allowing companies to scam citizens out of their hard earned money and you need to do your job protecting the citizens from such monster companies!
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute of Credit Reporting Violations and Request for Compensation Dear CFPB Team, I am writing to formally dispute inaccuracies and violations on my credit reports from XXXX and Experian. These reports contain unauthorized inquiries and account reporting errors that significantly damage my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I demand immediate removal of these inaccuracies and compensation for the violations caused by these erroneous entries. 

Accounts with Violations XXXX XXXX XXXX Account Number : XXXX Violation : Inaccurate high balance reporting ( {$630.00} vs. {$600.00} limit ), inconsistent utilization percentages, and failure to validate negative reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Violation : Overstated utilization above 102 %, charge-off status reported without proper notification or validation. 
XXXX Account Number : XXXXXXXX Violation : Duplicate late payment reporting and failure to validate derogatory entries. 
XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Violation : Charge-off status reported without verification or adherence to dispute resolution protocols. 
XXXXXXXX XXXX XXXX Account Number : [ Account Number Hidden in Extract ] Violation : Reporting late payments without validation or notice. 
Unauthorized Hard Inquiries The following hard inquiries were conducted without my knowledge or consent and are not tied to any open accounts : XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Violations Identified 5 Unauthorized Hard Inquiries 5 Accounts with Reporting Errors Compensation Requested Under the FCRA, I am entitled to {$1000.00} per violation. Based on 10 violations, I am requesting a total compensation of {$10000.00} for the harm caused by these errors. 

Demands for Resolution Immediate Deletion of Inaccurate Information : Remove all inaccurate account details and unauthorized hard inquiries from my credit reports with XXXX and Experian. 
Updated Credit Reports : Provide updated credit reports reflecting these corrections within 30 days. 
Written Confirmation of Actions Taken : Send a written confirmation of the deletions and steps taken to ensure compliance with FCRA guidelines. 
Compensation Payment : Issue a compensation payment of {$10000.00} as outlined above. 
Notice of Further Action If my demands are not addressed within 30 days, I will escalate the matter by filing additional complaints with regulatory bodies, including the FTC, and pursuing legal action for damages exceeding the requested compensation. 

I urge your team to address this matter promptly to prevent further harm to my credit and financial standing. 

Sincerely,
Product: Checking or savings account

On XX/XX/year>, I went to Bank of America, XXXX XXXX XXXX XXXX, Fl to cash four checks. A total of {$640.00}. After the bank teller debited my {$500.00} personal check, he told me that I don't have enough in my checking account. He showed me a receipt of the available balance of {$280.00} for that day and suggested that I withdraw from my savings account. I withdrew {$600.00} from my savings account and told him to deposit my four checks back into my savings. The next day, Bank of America sent us an email asking if we authorized this check for {$500.00}. I went straight to Bank of America and talked to the manager, XXXX XXXX and showed her my receipts. At first she was very apologetic and told me that XXXX made a mistake. He should have given my money from my checking account instead of my savings. But when I asked her for my {$500.00} back, she accused me that some people got their money and want their money back. And that my receipts don't mean anything and she wanted them back. I left immediately and called the Fraud Center, they credited my checking account back for the {$500.00} after their research. The manager, XXXX found out and took my {$500.00} back without my permission and knowledge. Then I received a letter and some forms to notarize my fraud claim if I want my money back. I signed and returned my notarized fraud claim on XX/XX/year>. And as of today, they still haven't returned my stolen money. According to the public informations, I found out there are numerous complaints against this bank and their manager, XXXX XXXX. My personal experience of her, she is nothing XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1

5 U.S.C 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. 1681 s-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

HIPAA VIOLATION / CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT.
Product: Checking or savings account

XX/XX/XXXX I opened a bank account at First Republic Bank in XXXX, California. The Manager ( XXXX XXXX ) recommended a checking account that waives the non-Bank ATM fees for $ XXXX/month. 

XX/XX/XXXX 12 months later, I was recommended by Customer Service to down convert my account to avoid costly Non-Sufficient Fund fees cause by a high monthly service fee. Three Monthly service fees were reversed ( {$75.00} ). 


XX/XX/XXXX XXXX I followed the advice of the customer service agent and had the account converted by the Assistant Manager to one that only charges $ XXXX/mo. I also increased my direct deposit from my job to keep a healthier balance. 

XX/XX/XXXX Once I followed the advice of Customer Service, the Manager who initially opened the account decided to close it because reversing fees Affected him personally. When I spoke to the manager ( XXXX XXXX ), he was rude, condescending and unprofessional. There was no warning or opportunity appeal the decision.
Product: Credit card or prepaid card

I bought some brake pads from XXXX XXXX using my Amex. They sent me the wrong thing for my car. When I tried to return them they said I would have to pay the shipping to return. I disputed the purchase on the Amex card. When I did this, they removed the charge of {$36.00}. Then they denied the dispute and added the amount back to the card. I disputed it again. Amex took {$36.00} off again. They denied the dispute again and this time they put {$72.00} on the card -- doubling the charge incorrectly. I called them and tried to tell them that they had made a mistake. One guy I spoke to did not know what to do and hung up on me. I called back again and still got nowhere. They refuse to understand that they incorrectly doubled the charge. I mean {$36.00} - {$36.00} = {$0.00} + {$36.00} - {$36.00} = {$0.00} + XXXX - {$36.00}. Since I could not get them to understand, I just paid the {$36.00} on XX/XX/2023 hoping they would straighten out their terrible math. I had paid the balance in full the month before, so the only amount that should have been charged was the {$36.00}. My balance should have been {$0.00}. Instead, they added a {$29.00} late charge saying I did not pay in the month of XXXX. They have not only assisted XXXX XXXX in committing fraud, now Amex is making up charges on my account. I have had this card for 30 years and I have NEVER paid late. I no longer am doing business with Amex and yet, they keep making up charges on my account. For instance, they were trying to charge me for orders that I cancelled and they knew I cancelled, but they did not take the charges off. Please make them straighten out the doubled charge and make them get rid of the late charge since I paid them in XXXX. There should be no late charge.
Product: Mortgage

Our house burned down, in XX/XX/2017 fires. Mortgage company is not releasing funds, and we may lose our builder, even though house is more then 50 % done. They won't let us talk to a supervisor, and they won't fix the problem. Why do they act this way?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit reporting bureaus numerous times about this issue. I have also filed a complaint with you about this before. As of this date this has NOT been resolved. I have letters from Transunion and XXXX both that as of XXXX-2017 they have once again placed a FRAUD ALERT on my credit report. I am also still having problems with XXXXbout this same issue of placing FRAUD ALERTS on my credit report. I have NEVER and I repeat NEVER requested these FRAUD ALERTS be placed on my credit report. I have contacted all three Transunion, XXXX and XXXX and constantly requested that they remove these FRAUD ALERTS from my credit report. I have had NUMEROUS conversations with them and been assured they would remove the FRAUD ALERT but THEY ALWAYS place another FRAUD ALERT on my credit file without my requesting that it be done. 

I am about ready to contact an Attorney as well as the Better Business Bureau to file a lawsuit and a complaint against each and everyone of them. 

I want these UNREQUESTED FRAUD ALERTS TO BE PERMANENTLY REMOVED FROM MY CREDIT FILE. 

XXXX XXXX
Product: Mortgage

I received this certified foreclosure notice last weekend pushed under my door and being notified that the foreclosure will take place the end of this month. As you can see, the foreclosure notice was dated XXXX XXXX and yet I found it under my door ( partially opened ) on XXXX. I did not sign for this certified mail and XXXX Bank and Wells Fargo did not let me explore ALL the loss mitigation options. I had suffered financial hardships including my sick mother who finally succumbed to a XXXX XXXX years ago and then my wife who had XXXX XXXX and that XXXX went into XXXX. Despite my efforts to try catching up for the late payments, Wells Fargo asked me over the telephone in XXXX 2015 to stop making payments until I pay up all the overdue payments. I asked the staff who told me to put the request in writing but never did. Wells Fargo staff would give you a run-around and blame everything on the investor, the XXXX Bank.
Product: Student loan

Two months ago, I made an extra payment toward principal. My servicer, Nelnet, has a check box that says " Do not advance due date '' if you want to make a payment toward principal. I selected that box. They did not apply it toward principal and instead advanced my due date. I called and they corrected the problem and told me they corrected it for future ones too. 

A month ago, I made another extra payment toward principal and again selected the checkbox that says " do not advance due date. '' Again, they advanced my due date. 

They are systematically disregarding the " do not advance due date '' checkbox, which requires me to call each time. I have no idea if I am being charged interest in the meantime.
Product: Debt collection

I do n't know about this account I did contact this company already and they said they were going to remove it from my credit report but now they 're contacting me about this account again
Product: Vehicle loan or lease

I had a Hyundai XXXX Account # XXXX which had completed the lease. I never received an end of lease statement. I have made several requests for this so I can submit the damage waiver so I can have that deducted from the amount owed. 
On XX/XX/2019 I got a letter saying that a final bill will be mailed but never did get anything ( see attached ) I am also attaching a report to show that it is reporting a balance. 
This has been transferred to collection yet I never received any proper bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had enough of this cat and mouse game with these credit bureaus! I have sent my FTC affidavit and they are refusing to remove these erroneous accounts. This is my last and final attempt for I do have a legal representative on standby. 

Im exercising my right under the Fair Credit Reporting Act, Section 609, to  request further information about items on my credit report. 

XXXX XXXX, XXXX  2013, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX  XXXX, XXXX  XXXX, XXXX, XXXX, XXXX. 

I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Also, there is a address that I have disputed numerous times that does not belong to me. The accounts that I am asking for are accounts that are linked to the address that does not belong to me. I can not get any information from any of the creditors because the accounts are not mine. No one can seem to provide a credit application with my signature. I believe these accounts were opened online and none of them required to send in proof of ID. I was a victim of ID theft almost 10 years ago.I did not provide my address to any of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Attn : Complaint Department XXXX XXXX XXXX XXXX, PA XXXX I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing and these inquiries are not associated to any account I have. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX  XXXX ( 2 inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX ( 3 inquries ) XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.
Product: Checking or savings account

On XX/XX/2019, I reported to Chase Bank that two fraudulent transactions occurred that day on my debit card. The card had been issued within the prior 2 weeks as a replacement for a card that was expiring. The claim number for the fraudulent transaction that Chase refuses to resolve appropriately is XXXX. This was supposedly researched by Chase Bank who indicated that they found that the transaction was " processed correctly or was authorized ''. I received notification of this decision via a later dated XX/XX/2019. I called Chase Bank at XXXX on XX/XX/2019 at XXXX XXXX   and spoke with XXXX until XXXX at which time the call was escalated to XXXX. At XXXX I requested further escalation, which was denied. Last names were never provided by either customer service agent. I requested that the " verification '' obtained be provided to me and was told that they can not email or fax the verification. I was told verbally that the transaction was mailed to a XXXX XXXX   in XXXX, CA which is someone I've never met. I was given a USPS shipping number of XXXX, which confirms delivery in XXXX, CA which is approximately 1,000 miles from my home. I asked XXXX how this " verifies '' that I made the purchase and she informed me that it is my responsibility to prove that it wasn't mine. She repeatedly refused to escalate my call to a superior and indicated that she will not refund my money. As such I am requesting assistance from Federal resources tasked with supervising banking activities. Given the unwillingness of Chase Bank to properly address this issue, I am requesting maximal penalties be levied against the bank and a demand notification be sent to the bank for reimbursement of my fraudulently debited resources as well as punitive damages as seen fit. Copies of this request are being transmitted to CFPB, FTC, as well as XXXX XXXX, president of Chase Bank.
Product: Credit card

I had a XXXXXXXX XXXX store credit card for almost a decade before they changed their policies about a year ago. I was also a loyal customer who shopped there before going to XXXX XXXX. XXXX changed policy to no longer provide paper statements to their customers, unless you paid a fee to receive them. Otherwise, you were forced to receive statements via email. Since I didn't want to pay a fee to receive my bill, my account was switched to online statements. 
shortly after that, I shopped at their store, under {$100.00} in items. With the new email billing system, their bill got lost in all of the junk emails and went unpaid. By the time I realized this, I had XXXX late fees. So, I paid the amount I owed for purchases and called them to remove the late fees. They would only remove XXXX of the late fees, and left the {$30.00} late fee on my account. Even though I had been a loyal customer who paid my bill in full each time I had XXXX, they would not budge on the {$30.00}. So, I cancelled my account with them around XXXXXXXX XXXX XXXX 
Since I have cancelled that account, their fees and interest on that {$30.00} has grown to over {$220.00} in only 5 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fraud alert placed on my credit file that indicates anyone who runs my credit should call me for verification and this was not done and it violates my rights as a consumer. I have reached out to the credit bureaus on mor e than one occasion  to advise of my credit being pulled without my permission and received no resolve. I have also attempted to dispute these unauthorized inquiries multiple times to no resolve.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Agency ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$4700.00} ; 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 am referring back to a complaint I submitted last week the company 's response was that they are not affiliated with this loan and they ARE. Loan Care affiliated with law firm XXXX XXXX that took over for XXXX XXXX. Loan Care has mishandled my mortgage and my home is at stake!!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information as from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX According to FCRA section 605b it is illegal to report information on my credit report without my permission please remove this item from my credit report immediately