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

My account has been restricted since XX/XX/year> because of multiple third-party deposits from XXXX XXXX  that were not in my name and XXXX XXXX has restricted all the money in my checking account since then. These are not disputed funds! They are telling me that I am not entitled to the money and the funds received will be returned to the originator, all of the money is not from one place it is from XXXX XXXX, XXXX, XXXX, and my job so how will i receive those funds? The investigation should not be taking this long, I am unable to pay my bills! Please return all the money in my account to where it came from!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to Equifax credit bureau to dispute inaccurate information on my credit report. The first letter was sent on XX/XX/XXXX, with my photo id, social security number, and proof of address. The most recent letter was sent on XX/XX/XXXX, and the bureau is not responding or updating any of the disputed information. Each time I sent a letter I waited 30 to 45 days before checking my bureau credit report. I do not understand why the credit bureau is refusing to process my request. I know there might be delays at times, and I even tried to give them the benefit of the doubt for that. There is still inaccurate information reporting on my report. I have included a copy of all of the letters I have sent to the credit bureau with this complaint.
Product: Money transfer, virtual currency, or money service

The problem is essentially multiple Discriminations by PNC Investment ( PNCI ). My wife and I ( XXXX, & XXXX ) have 2 retirement accounts ( about $ 400K ) in PNCI. Due to its NO-service acts ( particularly during Spring XXXX ), I made a complaint against PNCI and claimed the compensation for the investment loss due to its fault. PNCI responded us for only 1-yr. fee waive. We could not accept it but have continued the dispute. In this dispute, I have nothing wrong or improper to PNCI 's business. On XX/XX/XXXX, PNCI decided to brutally terminate ALL of our accounts, and forced us liquidate/transact out all of our assents. 
Currently, I am fighting with PNCI for its discriminations in 1 ) Not providing services as a public accommodation 2 ) Age-, racial and origin-related discrimination 3 ) Depriving of our rights as PNCI 's customers etc.

In this message, I would like to get some legal consultant or help in my fighting against discrimination and get reasonable compensation for our investment loss. E.g.

1 ) What's the best way ( lawsuit or arbitration ) to resolve the problem?

2 ) Does FINRA arbitration handle discrimination related dispute?

Thanks for your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$23000.00} XXXX XXXX Balance : {$24000.00} XXXX  XXXX Balance : {$23000.00}
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I have been using Venmo with friends and family to send and receive payments between us. On XX/XX/XXXX two family members, XXXX and XXXX XXXX, used their Venmo accounts to pay me using their XXXX XXXX XXXX XXXX cards. 

XXXX XXXX processed three payments for {$1000.00}, {$900.00}, and {$100.00} - totaling {$2000.00}. XXXX XXXX processed a payment for {$1000.00}. Each of them had enough funds in their XXXX accounts to cover the payments, and still do. I received the payments in my Venmo account and processed a transfer to my XXXX XXXX bank account. 

On XX/XX/XXXX each of us received emails that our Venmo accounts were frozen and requesting we send in photographs of our licenses. We have since done so, but our accounts remain frozen and we've received no information regarding why the accounts were frozen. If XXXX and XXXX had the funds to cover the payments why were they stopped and our accounts frozen? 

This appears to be a mistake on Venmo 's side, but we are the ones paying the price with frozen accounts. We utilize Venmo quite often and would like our accounts unfrozen so we can proceed with utilizing the service. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay as I go to look at my fico score for Experian, XXXX, and XXXX I get the score unavailable indicator.. 

For reason being whats wrong with my fico score and why it says unavailable it has enlisted for one of the indicators on all three of my reports that Ive been labeled as deceased.. this is unlawful use of ny credentials and is in violation of fair credit reporting act and I would like to be compensated for this
Product: Mortgage

On XX/XX/2017 - XXXX referred my mortgage application to Credit Union Mortgage Association , Inc. for my VA Home Loan. Unknowingly, CUMA sends the mortgage to a 3rd party for underwriting. I provided them with all requested documentation the same day, answered all questions, etc. I had extreme difficulties obtaining replies as to the status of my loan with underwriting, finally after elevating the situation I was able to receive few answers. 1 week until closing, the loan was still in underwriting and they requested all new financial documents and additional information. Was informed after providing the documents the mortgage was out of underwriting and I would receive the HUD statement the next day. On XX/XX/2017 ( Friday ) at XXXX the HUD statement arrived with numerous errors ; corrected version sent to me at XXXX. Monday XX/XX/2017 I was informed the loan was back at underwriting due to a clerical error and new documents were forthcoming. Tuesday XX/XX/2017 ( settlement day ) mortgage documents were not available for title company until 30 mins prior to the assigned time. I was provided time by the settlement company to read the documents prior to signature to confirm accuracy. I signed all documents on XX/XX/2017 at XXXX. I was told the delays and errors are " My Personal Fault '' for not clearly stating the property was not a single family home, however was a duplex to which they consider rental property. Yes the house is a duplex, on all the contract I sent them clearly stated ( XXXX XXXX XXXX ). On XX/XX/2017 a XXXX Family Rider ( Assignment of Rents ) document was sent to the Settlement Company for my signature. The document states CUMA will retain legal rights to the " rental '' side and all modifications, upgrades, etc., require their permission to include any tenants will submit their rental checks to CUMA. I have not signed the document. I have sent an email and contacted CUMA regarding the additional document and I have yet to receive a reply.
Product: Credit card or prepaid card

This is a complaint against AMEX. I opened an account with them and paid an annual fee of XXXX . The product was an AMEX gold credit card. 

They closed my account without notifying me via email or app that the account would be closed due to their inability to verify some type of information 6 months into the account. 

Account # : XXXX Open date : XX/XX/XXXX Close date : XX/XX/XXXX ( exact date closed by them unknown )
Product: Debt collection

XXXX XXXX XXXX has been contacting me trying to get information on my close friend. They have called multiple times, and each time I tell them I am not her, and will not give out the personal information of a friend. 

After telling them I am my friend, they continue to ask me if I can confirm that I am her to discuss a personal business matter. I continue to repeat I am not her and will not provide any information on her. 

Each time they say they will remove me from the account. But I continue to receive calls.
Product: Debt collection

I reached out via certified mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to National Credit Systems and XXXX. 

National Credit Systems placed a collection in the amount of {$5400.00} on my credit file in XXXX of XXXX. I received a letter from a private attorneys office in XXXX attempting to collect on the same account. After three attempts in reaching out to both XXXX  and National Credit Systems, the account still remains on my credit report and I have still have not received any correspondence from National Credit Systems. The account has been removed from my credit report by XXXX  and XXXX  since XX/XX/XXXX.
Product: Credit card

Today I received a letter from XXXX XXXX at Alliant Credit Union stating that they would be closing my Visa account ending XXXX on XX/XX/XXXX due to alleged " suspicious and frivolous dispute activity '' and " nonadherence to merchant return policies '' without providing evidence or prior warning. I attempted to reach XXXX XXXX at the telephone number provided, but reached a representative who would only identify herself as " XXXX XXXX '' who told me she could not connect me to him. 

I spend over {$100000.00} annually on this credit card and am meticulous about disputing transactions when merchants fail to provide merchandise as advertised. 

I believe this closure may be in retaliation for CFPB complaint XXXX.
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 Account NumberXXXX and 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: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered unauthorized inquiries listed, which have negatively impacted my ability to apply for new credit. I request that the following inquiries be removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

i was taken advantage of while several policies were broken according to the FCRA. 


XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/2019 Balance {$1000.00} XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Ive submitted a dispute to update my current address and remove my fathers address from credit report due to fraudulent account being opened at this address without my knowledge. 

I have submitted a XXXX Police report XXXX And identity theft report XXXX In adddition to lease and utility bills to current address. 
I was never aware of these accounts associated with XXXX and want them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with XXXX/XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX/XXXX XXXX   with no successful resolution. XXXX, XXXX, and Equifax reporting me 150 days late payments. There was an error on their part. I was never 150 days late.
Product: Debt collection

Diversified Adjustment has been reporting an alleged debt on my consumer reports illegally. I have never done business with them, so I don't know how they ever received consent to my personal information. This is identity fraud. I have never legally given written consent/permissible purpose to furnish this alleged debt on my reports. Diversified is a 3rd party debt collector attempting to collect an alleged debt. Diversified has not provided any validation or verification legally required showing ownership of this debt. This includes the original contract with my wet signature. Their negative and illegal reporting is tarnishing my credit worthiness and hindering me from acquiring affordable living and transportation to provide for my family. This is causing undue hardship to all of us!
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 ).
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, I looked at my report. I sent a letter to XXXX, XXXX, and XXXX as well as all of these corporations asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX KEYBANK I HAVE EVERY SINGLE CERTIFIED MAIL NUMBER WHICH MAKES IT Federal to lie XX/XX/2024 they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

None of them really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.42 USC 408 asking for anyone 's SOCIAL security number on any loan is double dipping and fraud according to the law. Also 15 USC 1666b there is no such thing as late payments so while they are speaking of laws they clearly have no clue about all they needed to do was actually go take a look at a few XXXX laws dictionaries to figure out they are in violation of XXXX but they have clearly been getting away with fraud so long they think it okay everyone isn't mentally enslaved.
Product: Credit reporting or other personal consumer reports

Acct Name : XXXX Acct # : XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! 
XXXX account number XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

On 07/2022 and 07/2023 you reported transactions from account # 6035350230963675 to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported on XX/XX/XXXX and XX/XX/XXXX Deleted from my consumer reports effective immediately. Now before you think to reply with validated, letters be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time! 

Furthermore 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Debt collection

I filed a dispute with Experian about XXXX. XXXX XXXX and then XXXX. XXXX XXXX started to add fees to my account every week, every month and every year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continuously does not properly handle disputes nor do they update any of my information and payments and balances to reflect accurate data. They have not updated my XXXX account in over 3 months. 
Information needs to be updated! 

This is just one example as they never handle anything over the phone and they don't have any disputes I file. I've attached one example to show how they have not updated any payments made for 2022 yet I have made payments and the other credit bureaus have. 

My credit score for this XXXX XXXX is XXXX points lower than the others because of this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one has illegally & inaccurately reported late payments on my credit. 
Dates from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
In accordance with the Fair Credit Reporting Act this creditor ( Capital One ) has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 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 any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX/Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number : XXXX XXXX XXXX XXXX L/Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number : XXXXXXXX XXXX XXXX/Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Account number : XXXX XXXX XXXX number : XXXX XXXX XXXX XXXX number : XXXX, has violated my rights XXXX 

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

I 've called XXXX XXXX regarding 2 late payments, payments was sent but was not credited on time, they said they investigated an it was no problem on their side. I disagree and now credit report is showing late payment. I 've had account for 4 years with no late payments.
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  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.

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.