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

On XX/XX/23, I had a meeting with XXXX XXXX XXXX, the Branch Manager at M & T Bank, located at : XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ). The meeting concerned a withdraw of XXXX from my checking account shared between myself and my mother. During the meeting, XXXX XXXX, a bank teller revealed that my mother made the withdraw and because my mother did not know the bank account number, she ( XXXX XXXX XXXX " wrote in the bank account number on the withdraw form. '' I then closed that particular account and opened a new account. 
On XX/XX/23, I met with XXXX XXXX XXXX at M & T in order to notify M & T that I wished to file a complaint about the policy of M & T tellers writing in an account number for my mother who would not otherwise have been able to withdraw the XXXX. In addition, I notified XXXX XXXX that I wish to file a complaint about the fact that there was not a vetting system in place as it pertains to the large amount my mother was able to withdraw. XXXX XXXX told me that she would file the complaint as well as have the Branch Manager reach out to me by phone. As I was leaving the bank my mother was entering. Mom stated that she only had XXXX dollars left, but she wanted to place the money back into my account. Since I had a new account, I entered the bank with mom and deposited the XXXX into my newly opened account. I then informed mom that I intended to proceed with the complaint as it relates to the additional XXXX dollars because I did not want what happened to me to happened to anyone else. At that point, the teller XXXX XXXX came from behind the counter shouting " I did nothing wrong ; the bank policy allows me to write in the account number. '' I told XXXX XXXX that if that were true then she had nothing to worry about. Frustrated, I left the bank. 
Branch Manager XXXX, called me on XX/XX/23, and notified me that within the next 30 days M & T would be closing my account. I informed XXXX XXXX that his actions appeared to be in retaliation for my choosing to file a complaint.
Product: Checking or savings account

I was in communication with XXXX XXXX with XXXX XXXX XXXX XXXX for a couple years. He requested I send a deposit for a building I'm purchasing. Then his email account was hacked and I was given the hackers bank info instead of the XXXX 's bank account. I sent the deposit to 'XXXX  ' on XX/XX/XXXX via ACH from Chase Bank for {$21000.00}. I've called Chase Bank and the hackers bank ( XXXX XXXX  ) and both banks are refusing to open an investigation or try to stop the payment. Chase Bank claims this is a scam rather than fraud and XXXX Bank says they can't look into their account unless there is an open investigation from Chase Bank.
Product: Debt collection

Previously sent in identity theft form to equifax. It was denied due to discrepancies. The account number is corrected and moving forward if these accounts continues to be furnished on my report litigation proceedings will continue with the help of CFPB. Please see attachment. Attached is my FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the same accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I tried to pay the account in full by cashiers check XXXX thru XXXX, however they returned my check because USAA alleged says they only accept checks from members in the XXXX states. They dont accept checks in Alaska XXXX Hawaii XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00}. I have been subjected to interest and having to write on the back on the check not for its intended purpose. I have paid the account off in full. I am asking usaa for the interest return due to 3rd party agents always giving wrong information they do not represent USAA adequately. Every time I call I get wrong info.
Product: Credit card

My wallet and cell phone were stolen when I was visiting XXXX XXXX, Nevada on XXXX XXXX. On XX/XX/year>, I called Discover card to report my card stolen. Since then, Discover card has made " their own investigation " and the outcome was that there was no fraud done on my credit. Now this company is holding me responsible for these charges. There was a charge on XX/XX/year> at a XXXX XXXX store on XXXX XXXX XXXX for the amount of {$1900.00}, another at a XXXX XXXX store for {$3200.00}, and one at a XXXX store also in XXXX XXXX for {$17.00}. 
This company has not provided any reason for these charges to be valid. All they did was come to a sudden conclusion that there was no fraud and placed the charges back on my account.
Product: Money transfer, virtual currency, or money service

The Moneygram company canceled a transfer and did not return the money, they say it will take many days to give me an answer. 
Financial institution : XXXX transfer # XXXX My name : XXXX XXXX ID : XXXX, California Address : XXXX XXXX XXXX XXXX CA XXXX email : XXXX Phone : XXXX Note : This company keeps people 's money for many days and until many claims are made, calls, until then they program it to return them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to add positive payment information regarding my account. They claim that first progress card asked them to delete this information. XXXX XXXX claims that XXXX blocks the positive information to report on my file. My credit score is suffering because my on time payment history is not reporting. I have sent numerous letters to XXXX and XXXX XXXX to have this resolved and both companies complain and state that it is the fault of the other company without resolution to the matter
Product: Credit reporting or other personal consumer reports

PLEASE, THESE ARE NOT MINE, THESE FRAUDULENT INQUIRIES ARE UNAUTHORIZED AND I DID NOT AUTHORIZED NOR BENEFIT FROM ANY OF THESE.
Product: Credit card

I made a purchase from XXXX 's website on XX/XX/2024. The agreement was for a 12 month equal payment plan. Td bank is attempting to charge me more per month than the contract agreement. I contacted XXXX and they have confirmed that I'm correct. She also emailed the contract showing that I was correct.The representative transferred me to TD Bank who is the party acting illegally. I explained the situation and they acted as if I was lying and after demanding to speak with a manager, she connected me to disputes. They also acted as if I was lying before filling a dispute. After 10 days or so I received a letter from TD Bank stating I'd have to pay what they say regardless of the contract. I tried to contact them on multiple occasions and they will not answer their phone.On one occasion, I've spent 3 hours waiting to speak with someone and over 2 on multiple occasions to no avail. Please stop this company from illegal activities so that no other consumers credit can be harmed.
Product: Credit reporting or other personal consumer reports

MY RIGHTS HAVE BEEN VIOLATED. 
Equifax HAS BEEN WILLFULLY NON COMPLIANT WITH THE LAW UNDER 15 USC 1681. 
I have been dealing with this since XXXXEquifax replied on XX/XX/24 with debt validation. I didnt dispute the validation of the debt I highlighted that Equifax had willfully Violated my. I will be seeking litigation after this final attempt to fix this. The account is a XXXX charge off. 
The following codes have been violated. 
15 USC 1681b-permissible purpose 15 USC 1681 Section 602A-right to privacy 15 USC 1681 Section 604A -written consent 15 USC 1681eb-maximum accuracy 15 USC 16815-2ala-reporting information with knowledge of errors 15 USC 1681 ( 2 ) ( a ) ( i ) -reporting information solely as a transaction OR experiences between consumer and the furnisher is PROHIBITED from being reported I have my lawyer ready to file the lawsuit within 15 days from receipt of this seeking litigation for XXXX XXXX  under 15 USC 1681n for defamation of character and this is hurting my livelihood XXXX 
see attachments
Product: Credit reporting or other personal consumer reports

Subject : Fraudulent Credit Reporting, Duplicate Account, and FCRA Violations Details of Complaint : I am filing this complaint against XXXX XXXX XXXX, XXXX, Experian, XXXX, and XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and engaging in fraudulent credit reporting practices. 

Duplicate Account Reporting by XXXX XXXX XXXX  : I held a legitimate account with XXXX XXXX XXXX  that was paid in full, closed, and marked as " never late '', with a balance of {$610.00}, resolved through their insurance program. 
XXXX XXXX XXXX  fraudulently created and reported a duplicate account with an inflated balance of {$770.00}, which was then sold to XXXX XXXX for collections. 
Inconsistent and Misleading Reporting by CRAs : XXXX and Experian initially reflected the accurate reporting of the original account but later removed the positive standing in late 2024. 
XXXX has failed to provide my credit report for more than XXXX months, violating XXXX U.S.C. 1681g of the FCRA.

Fraudulent Collection Activity by XXXX XXXX : XXXX XXXX reported a collection account based on the fraudulent duplicate account, despite the original account being resolved and closed. 
Failure to Investigate Disputes : I have disputed these inaccuracies through the CFPB and directly with the CRAs. However, they failed to investigate properly or resolve the issues, violating 15 U.S.C. 1681i and 1681e ( b ) of the FCRA.

Impact on My Consumer Rights : The creation and reporting of a duplicate account, coupled with the removal of accurate positive history, have significantly harmed my creditworthiness. This is a clear case of fraud, misrepresentation, and security fraud. 

Requested Actions : Immediate deletion of the duplicate account from all credit reports. 
Removal of the XXXX XXXX collection account tied to the fraudulent duplicate. 
Investigation into the practices of XXXX XXXX XXXX, XXXX, Experian, XXXX, and XXXX Funding to ensure compliance with the FCRA. 
Additional Information : This matter has already been reported to the CFPB but remains unresolved. I seek the FTCs assistance to investigate these violations and hold the responsible parties accountable. 

I reported this to the FTC and will file a civil complaint if continue to report inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th Endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) # Credit Bureaus are required to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;
Product: Mortgage

I sent a loss mitigation application and all requested documents to Carrington Mortgage. I was in contact with them throughout the process and sent in everything when asked. I really thought they were going to help. Soon after, I receive a denial/cancelation letter with no reason as to why. I called and was told to reapply, which I did. Not a week later I get a Notice of Intent to Foreclose demanding all arrears due when I am not even 60 days late yet. Now they won't respond to emails and customer service can't assist. I even told them I'm willing to accept the 3 month payment plan an agent said they offered which wouldn't even need a loss mitigation application. Now I can't even get that. I thought there were laws protecting borrowers and sending a notice to foreclose after only 45 days shows the true motive. It really seemed they cared at first, but to try to take a house from a single parent with a young daughter when I'm trying and able to pay what I owe is truly awful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a recorded conversation with the credit card company ( Elan Financial XXXX XXXX XXXX ) acknowledging they will remove the charge-off-collection status they submitted XX/XX/2022 to credit reporting agencies since I paid in full on settlement agreement XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is not reporting my account to XXXX and transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Following accounts were fraudulently open and obtained XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Report number XXXX on identity theft.gov
Product: Money transfer, virtual currency, or money service

Hello, I have an account with ADP from when I was employed with XXXX. I have not worked for XXXX for nearly 10 years. I'd like my account to be deleted.
Product: Credit reporting or other personal consumer reports

BOUNCE AI , INC . 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference XXXX  XXXX ( Alleged balance : {$790.00} ) NOTICE OF DISPUTE To : XXXX XXXX XXXX XXXX, agents, representatives, & employees I, XXXX XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME WITH VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSIST OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 

The original creditor is in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to non-affiliated third parties and not providing me a notice that complies with section XXXX and giving me the opportunity to opt out pursuant to XXXX XXXX XXXX. This notice makes you an accomplice. 

I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESNTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 
THIS IS A WARNING!!! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 


Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an inquiry alert from XXXX  regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from discover. I contacted discover and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.
Product: Checking or savings account

Citi bank closed my account around XX/XX/2020. I had checking and saving account with balance over 80k. After I filed previous complaint at CFPB, They sent me only XXXX and refusing to release the rest of the money and refusing to discuss this matter with me. With over 100 calls and no one from Citi is able to tell what is the issue. This is complete abuse of power from the banking industry. There have been zero communication regarding this matter. They restricted my online access so Im not able to see my statement and refuse to mail them to me as well Previouse case # XXXX
Product: Student loan

On XX/XX/XXXX I submitted an employer certification form to Mohela. I have contacted them several times to try to get an updated estimate on when my payment counts will be updated due to a time sensitive issue with a loan repayment program I am participating in. They first told me that my form was not even acknowledge until XX/XX/XXXX and it would be 90 business days after that to get an updated payment count - even though it was marked processed before that date and I received a message on XX/XX/XXXX stated it could be up to 90 business days from XX/XX/XXXX. They are unwilling to be helpful in anyway to give an update on where the form is at in processing and unwilling to be able to expedite anything for a reasonable request. The student loan industry is in obvious upheaval, but over and over and over again we are all being told to wait wait wait and don't ask questions, there's no one else who can help you, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Subject : Dispute of Unverified Bankruptcy Dear XXXX, I hope this letter finds you well. I am writing to formally dispute the unverified bankruptcy listing on my credit report, which has erroneously been marked as verified by XXXX and frivolous by XXXX. This incorrect information has seriously affected my creditworthiness and caused substantial distress, and I hereby request an immediate investigation and rectification of this matter. 

The bankruptcy in question does not belong to me due to the fact that I havent filed for bankruptcy. 

I have conducted thorough research and discovered that the bankruptcy claim in question lacks substantial evidence and verification. Moreover, I have obtained information from XXXX, which asserts that their assessment of this bankruptcy as frivolous directly conflicts with the verification status applied by XXXX. Such discrepancies raise concerns over the accuracy and integrity of the reported information. 

I request that your organization initiates an internal investigation into this matter, in compliance with the Fair Credit Reporting Act ( FCRA ). It is paramount that all relevant records and documentation regarding the ( XXXX XXXX XXXXXXXX Bankruptcy - XXXX # XXXX ) be thoroughly examined for any discrepancies or inaccuracies. 

To facilitate this investigation, I have enclosed the following supporting documents : XXXX. A copy of my credit report highlighting the misrepresented bankruptcy claim. 
XXXX. Copies of the XXXX verification status report and the XXXX frivolous classification report. 
XXXX. Any additional pertinent documentation or evidence that supports my dispute. 

In light of the serious nature of this error and the significant impact it has had on my financial well-being, I kindly request that you take immediate action to investigate and rectify this discrepancy. To ensure swift resolution, I expect to receive written confirmation of the initiation of the investigation process within 15 days. 

I emphasize the urgency of this matter and the importance of correcting the misinformation promptly. In accordance with the FCRA, I also request that, during the investigation period, the disputed bankruptcy mark be temporarily removed from my credit profile to prevent any further harm to my creditworthiness and reputation. 

Additionally, please provide periodic updates on the progress of the investigation and any actions taken to address this issue. I fully anticipate your full cooperation and timely response as mandated by federal law. 

Failure to comply with the FCRA 's provisions and rectify this incorrect bankruptcy claim in a timely manner may result in further legal action. I trust that your organization will handle this matter with the utmost professionalism, accuracy, and diligence. 

Thank you for your prompt attention to this dispute. I look forward to a positive resolution and the restoration of my accurate credit file. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I HEREBY DECLARE MY INTENT TO SUE. 

Despite my previous mail correspondence, XXXX has failed to investigate and rectify errors contained on my credit report. Thereby they have violated the Federal Credit Reporting Act, due to which I have lodged complaints with the Federal Trade Commission and the California Attorney General 's office. I am allowing you 30 days to rectify the erroneous information ; your failure to do so will result in my filing suit against your institution. 

I have paid the XXXX {$2200.00} on XXXX for Docket # XXXX. The payments, including all principal, interest, late charges, penalties and assessments, have reduced my account balance to XXXX which closed the account. There should be no further effort to enforce or collect on this account and, therefore, I am requesting that the XXXX follow through with a Vacatur of Judgment, withdraw and/or expunge Docket # XXXX from every county court ( s ). Additionally, when I paid the excess unemployment amounts, XXXX guaranteed to have this judgment removed from all XXXX credit bureaus. They have failed to do so.
Product: Credit reporting

Their is a credit reporting ( XXXX XXXX XXXX ) on my credit report that is past the 7 year law. This credit reporting by law should be removed. I am requesting that this credit item be removed from credit report.