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

In XX/XX/2022 I opened a checking account with US Bank. I deposited {$4000.00} when I opened the account. I never had a bounced deposit, bounced check or overdraft. 

Approximately mid XX/XX/2022 I was locked out of the online access. That begin a period of repeated calling the customer service phone line, local branches and multiple in person visits to find out why I could not access my account of over {$4000.00} funds still remaining. By early XXXX, I was told my account had been " flagged for fraud '' because I had deposited a monthly check in another state, that my account had been closed and I should receive a check for the balance within a week. That never happened. 

The most disturbing part of this is that US Bank has never once contacted me - no email, no letters or phone calls. I was not allowed to contact the " fraud department ' either - only 'customer fraud XXXX department XXXX who continually said they had no information on my account status. I have been endlessly calling only to be given misleading or flat out incorrect information. I was told repeatedly a balance check had been mailed out in XXXX. I never received the check so they said they would put a 'trace ' on it. This was a lie, no check had ever been mailed out which was finally confirmed this week by a local branch employee. 

How is it legal that a bank can lock your account and not be required to notify the account holder as to why or how to remedy the situation? Are they not required to notify account holders of fraud claims or other problems with the account? Is there so little oversight of banking practices they can freeze funds indefinitely without any due process?
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$10000.00}
Product: Credit reporting or other personal consumer reports

There is information that I have repeatedly said that is not mine. It belongs to another family member and the company do not remove it. They continue to confuse the information and it shows negatively on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello to whom it concern. On XX/XX/2022 a fraud inquiry was placed on my XXXX XXXX and XXXX  report.. So before the matter can be resolved, the told me to go through this step in order to have the inquiry removed. I don't have knowledge of this inquiry from Capital One. So I'm disputing this as fraud.. So XXXX  and XXXX  refuse to lift the inquiry without this letter.
Product: Debt collection

This was discharged in bk. They have left an open account without any creditor information or balance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial.Protection Act ( 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: Debt collection

I pulled my credit report from Transunion. Found a new trade account from XXXX XXXX XXXX for {$510.00}. Contacted XXXX, they said I no longer have an account with them and they can no longer look up any information without an existing account. While looking at my Transunion credit report, I seen that XXXX XXXX XXXX has recently opened a new trade account on my file. If XXXX cant find my contract how can this company say I owe them? Without a contract. Also under the Fair Credit Reporting Act 1006.30 a debtor is supposed to be given proper notice via in-person, letter or by phone. None of this has happened yet, so they are fraudulently reporting to transunion, and transunion has fraudulently lowered my credit score by over XXXX points by which is defaming my character with potential employers, and lenders. 1006.30
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX of this year I received an unsolicited email to check my rate on a personal loan from a lender I have used in the past ( LendingClub ). I submitted an inquiry and waited for a response on possible loan rates. I never signed any agreements to any loans. I later received an email that I was declined and I moved on. Later I received an email that funds were on their way. This was surprising since I never agreed to a loan and never provided banking information. According to LendingClub they sent funds to an old account that I had using old data and that bank account was closed by me over 5 years prior. LendingClub then told me to wait and funds would be returned and forwarded to me in approximately one week. I told them that I didnt agree to a lone and they told me they needed the funds back to make corrections. I advised them that I did not bank with that bank and I did not think they would release the funds. They told me they would take care of it but it would take approximately 30 days. After the 30 days they began calling me about the missed payment and at that point I contacted my attorney. My attorney sent them a demand letter to provide proof of a loan and they failed to respond to the demand letter. They also stopped contacting me. At this point I just want the credit to be cleared of their mistakes. I provided the information to all 3 credit agencies. Two agencies deleted the account. XXXX has been notified and given all documents on my part and has kept the account active. Ive asked them to provide information on proof they are communicating with LendingClub or contact information for my attorneys and no information has provided.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which qualifies as XXXX under the XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

im a victim of identity theft and have contacted all 3 bureaus about this issue to no avail! i even filed a police report at my local sherrifs office and yet still nothjing has been done! beeen dealing with these issues for years and its holding me back from acquiring the things i need in life! 
experian XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, Lincoln Financial, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX
Product: Credit reporting

I have disputed a false " hard inquiry '' with TransUnion. They declined to fix the mistake. I disputed that decision. I have n't heard a word from them since, and it 's been many weeks.
Product: Mortgage

I submitted my payment to be processed on XX/XX/year>, from a new checking account dedicated to this mortgage. Around XX/XX/XXXX, the expected {$2500.00} payment was not processed, but a {$29.00} feed had been placed on the account. Freedom Mortgage history statement show two payments were attempted on XX/XX/XXXX. My XXXX XXXX XXXX  inquiry reported on XX/XX/XXXX that {$4500.00} was charged and over drafted. All comments from Freedom MTG since incident have been " We are investigating the issue ''.
Product: Mortgage

I need to ask for your help. I had been initially approved for a streamlined refinance through Citimortgage They are now refusing to refinance me because they say my payment was late, after XXXX+ years of on time payments I got paid on Friday XX/XX/XXXX, but it was XXXX the seventh night. I could n't pay them until the holiday was over, on XX/XX/XXXX, at night. I did, nut they said they got it XXXX/XXXX/16. I welcome any advice or assistance. 


Here is a copy of the email. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Citibank Refinance XXXX URGENT Inbox x XXXX, XXXX XXXX XXXX XXXX ( 1 day ago ) to XXXX Good morning XXXX XXXX, XXXX underwriter reviewed your loan application. We will not be able to approve the above referenced loan as submitted for the following reason ( s ) : Decline-XX/XX/2016 payment made XX/XX/2016-loan is no longer eligible for the Home Affordable Refinance Program If there is any additional information that has changed or should be considered, please let me know as soon as possible. 

If we do not receive the revised request by ** XXXX/XXXX/2016 ** the loan will be declined based on the original terms. 

Thank you. 

XXXX XXXX XXXX ( XXXX ) Citibank N.A . 
Sr Loan Officer XXXX # XXXX Phone XXXX ext XXXX Fax XXXX
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! THESE ILLEGAL ACCOUNTS ALSO PASS THE STATUE OF REPORTING AND LIMITATION BEING THAT THEY ARE UNAUTHORIZED/ILLEGAL FRAUDULENT ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

On XX/XX/23 I was in a car accident with a 4 day old XXXX. The other driver was at fault. My insurance paid US Bank {$75000.00} and the payoff of the car was only {$42000.00}. The leasing company US Bank kept the total of the payment from the insurance when we should be entitled to the balance after the payoff for the lease was covered as we are out {$8000.00} for our down payment plus additional costs of obtaining a rental car, etc. The leasing company would not budge in paying anything even though our insurance paid well over what they needed. They are basically profiting off of me being in an accident especially since I only had the car for 4 days.
Product: Credit reporting or other personal consumer reports

A need for XXXX XXXX, from XXXX. XXXX submitted a background check on my name for XXXX. The company Sterling Infosystems reported that in XXXX XXXX a judgement for a misdemeanor was decided. Yet there has not been a court date decided on this case. The company XXXX has since canceled my request for assistance. The inaccurate report from, sterling infosystems, has denied me my right to proper care.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency EXPERIAN an identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. EXPERIAN sent a letter stating this block was an error. It was not. EXPERIAN has violated my consumer rights. According to 15 U.S. Code 1681i EXPERIAN is supposed to delete the disputed items during a full and complete investigation. EXPERIAN violated this federal law. EXPERIAN is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given EXPERIAN permission to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against EXPERIAN for willfully and knowingly violating my consumer rights if this is not rectified within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX college from the summer of XXXX through the winter of XXXX to receive an XXXX XXXX. I took out a subsidized loan for XXXX and an unsubsidized loan for XXXX onXX/XX/XXXX Dusing the winter quarter. I have the copies of my paperwork and have paid off the XXXX loan. I keep good records and have no problem paying off what I actually owe. However, over the years I have made payments on loans that end up not being mine and the money has been wasted. It has been reported on all three credit agencies that I have several other college loans outstanding. I am currently paying off a XXXX loan and am one month from it being considered current - even though I have no record of taking out that loan.
I have written all three credit agencies, sent certified letters to XXXX XXXX and the dept. of education on two separate occasions over the last three years, all to no avail. Even though I ask that the debts be proven to be mine or taken off my reports, nothing happens at all. I am dillegently trying to get my credit record taken care of so that I can some day buy a house.
I am reasonably sure that I have figured out what the problem is : on XX/XX/XXXX I signed Voluntary Hardship Forbearance papers ( I have the paperwork for this action ) for the loans I had taken out onXX/XX/XXXX and this date corresponds with some of the outstanding loans. It has been reported that I " took out additional loans '' when in fact, I extended the time period before I needed to start paying my loans off.
I went to XXXX College and got a copy of my transcripts, I was not in school in XXXX so no student loans could have been extended to me at that time. These dates ca n't be a loan taken out by me. I would like help getting all student loans off my records, except what is actually owed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX {$2100.00}, XXXX XXXXXXXX XXXX  acct # XXXX {$540.00}, XXXX XXXX XXXX acct # XXXX {$580.00}, XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXXdischarged acct # XXXX, XXXX XXXX XXXX  IL XXXX Bankruptcy XXXX XXXXdismissed acct # XXXX, XXXX XXXX XXXX  XXXX XXXX acct XXXX XXXX {$7900.00} XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX {$220.00} XXXX5 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 an account without my written instructions.
Product: Checking or savings account

-On XX/XX/XXXX, I tried to deposit a check in the amount of {$8900.00} through Wells Fargo XXXX XXXX  and received and error message stating that I was over the {$5000.00} daily mobile deposit limit. 

So I went to Well Fargo Branch # XXXX XXXX to deposit the check along with requesting {$250.00} cash back from transaction. The teller gave me my cash and advised that there would be a temporary hold on the check but I will have access to all of the funds XX/XX/XXXX. 

I received a printed receipt showing that {$8700.00} would be delayed XXXX business days and that the date funds would be available is XX/XX/XXXX. 

XXXX XX/XX/XXXX I received an alert through Wells Fargo XXXX XXXX XXXX XXXX Deposit Hold Alert Deposit Date XX/XX/XXXX Deposit Amount : {$8700.00} Amount Delayed : {$8700.00} Hold Reason : Unusual Deposit Account Activity Date Funds Will Be Available : XX/XX/XXXX -As of XX/XX/XXXX, I still do not have access to my funds. I contacted Wells Fargo and was advised by ( XXXX ) supervisors that XXXX  XXXX XXXX was holding up funds. 
Then a second supervisor stated that the issue was with the company that issued payment. Which was flat out lies. 

XXXX  XXXX XXXX and the party that issued payment confirmed confirmation that the check cleared. They also provided the BOA Sequence # XXXX along with WF transaction/sequence # as XXXX. 

This has caused a domino effect my transactions and use of my checking account in an attempt to cause me to incur overdraft fees. Wells Fargo is being deceptive in their business practices and illegally withholding my funds.
Product: Credit reporting or other personal consumer reports

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

I requested that Transunion reinvestigate this account : XXXX XXXX XXXX XXXX XXXX for inaccurately reporting 60 Day Late payments.

However, they stated everything was complete and accurate. But I find this to be grossly inaccurate and that a numerous number of my rights have been violated. The late payments in reference were assigned during 2020 when I had entered into a forbearance agreement with the creditor. Attached please find the email chain where I was in communication with the original creditor regarding my payments. I have highlighted the sections where the company said the late payments for 2020 would be updated however they never were and 4 years later are still reporting inaccurately.

Additionally, I had requested via certified mail ( XXXX ) that Transunion provide documentation showing proof of a transaction that I was ever late and they have failed to provide that. Seeing as I have proof of communication with the creditor saying the late payments should not be there I see this as grounds for removal. The creditor has also failed to provide the documentation due to their new system not crossing over information from their old server. This is not a fault of mine and I did not pay late per 15 USC 1681s-2 ( F ).

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. I am requesting that the 60 Days Late Payments ( 2 ) and the 30 Days Late Payments ( 7 ) be modified to ON TIME or for the whole account to be removed completely.

Additionally, I would like to site other laws this account is in violation of, including : 15 USC 1666b ; 15 USC1637a ( a ) ; 5 USC 1681b ; 15 USC 1692g ; 15 USC 1681 ( 2 ) ( a ) ( I ) For these numerous reasons, I am hereby requesting that this account either be deleted from my report or updated to accurately reflect ON TIME and have the 60 Days Late and 30 Days Late removed.
Product: Debt collection

I received a court judgement awarding citibank monetary damages for a debt that I did not incur. I was not given any notice of this debts owed or debt collection. I believe that they have put a lien on property that was previously in my name but does not belong to me.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Reporting by Experian Dear CFPB, I am writing to formally report an issue I have encountered with Experian since XXXX regarding the inaccurate reporting of inquiries on my credit report. Recently, I noticed a XXXX reduction in my credit score after my complain last week with their credit bureau , which I believe is due to Experian 's failure to accurately report inquiries in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ).

Despite my efforts to address this issue directly with Experian, they have not rectified the inaccuracies or provided a satisfactory explanation. This negligence not only affects my creditworthiness but also undermines the protections afforded to consumers under the law. I kindly request your assistance in investigating this matter and ensuring that Experian adheres to the legal requirements for accurate reporting. 

Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, my private student loan was sold ( from XXXX ) to XXXX. As such, in XXXX, XXXX reported a {$0.00} balance and the loan was reported as closed. Since then, I have made my monthly payments ( in excess, nonetheless ) to XXXX, to which they have receipt of payments, but the loan is not being included in their monthly Metro 2 file. So for 2 reporting cycles now, my loan is not being reported to the credit bureaus.

This is now making it look like I no longer have a student loan, thus reducing my mix of credit, and it has severely dropped my credit score from exceptional to very good. 

I've contacted XXXX, they admitted my loan isn't being reported, but there is no resolution on their end. As I close on my new mortgage next month, my interest rates will be negatively impacted due to this drastic drop in my credit score.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX