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

I feel taken advantage of since my disputes are being ignored! I have previously contested this account, as I can tell you are reporting false facts. The date opened, date of last report, and date of last activity are incorrect!!! You fail to verify this account even further!!
Product: Credit reporting or other personal consumer reports

I have failed several complaints stating that someone fraudulently open up accounts that I did not consent to. XXXX XXXX and XXXXXXXX XXXXThese fraduents accounts has been removed from XXXX reports almost a year ago. They have failed to delete these fradulent accounts from my Experian report as well as my XXXX report. These items do not belong to me, these inaccurate reporting is hurting my ability to obtain credit.
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 inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Unknown number called me stating I had a Civil Suit against me. They told me they couldn't give me any info but my court date was set for next week and I had to call an XXXX # to find out what it was for. I called XXXX and they told me to ask for a XXXX XXXX. They said if I didn't show up for court I would have a warrant out for my arrest. I called XXXX XXXX and he told me it was for old over drafted fees from Fifth Third bank from 2014. I told him I hadn't been with Fifth Third in Years and I def never left them owed fees. He said that they had sold him the debt and that XXXX XXXX was suing me. I told him this all sounded very odd and like a scam and then hung up.
Product: Checking or savings account

US Banking regulations prohibit the holding of funds deposited from a US Treasury issued check for more than XXXX hours, regardless of amount. On XXXX I deposited a check from the US Treasury. 50 % of my check was withheld. 

on XXXX I requested the funds be released in accordance with US banking regulations. USAA denied the release and insists on holding the US Government funds until XX/XX/23. 

I advised them of the US Banking regulations and gave them reference to show government issues funds can not be held and they refused to release teh funds.
Product: Credit reporting or other personal consumer reports

in accordance with the 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 XXXXXXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. I looked at my Experian credit report and on XX/XX/year> and noticed some things are incomplete and not accurate.And according to the fair credit reporting act.Whenever a consumer reporting agency prepares aconsumer report it shall follow reasonable proceures to assure maximum possible accuracy of information concerning the individual about whom the report relates according to 15 USC 1691 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inccurate or unverifiable information. ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a cusumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) 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 ( 1 ) 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 1681 s-2 they suppose to not furnish any information relating cause to believe that the information is inaccurate.
Product: Credit card

I used my Visa credit card at an ATM machine at the XXXX XXXX XXXX in Maryland... the machine was owned by Everi. I tried obtaining {$500.00} cash withdraw and the machine processed the transaction and stated, " Approved '', ask if I wanted a receipt inwhich I stated no and then the machine DID NOT dispense the cash. The transaction showed pending immediately with my credit card company. I brought this to the immediate attention of the XXXX XXXX XXXX and they researched and stated the machine showed that the transaction " declined '' and " did not dispense cash '' ... 3 days later the transaction posts to my account and I was charged {$500.00} plus bank fee for this transaction. 

I made contact with XXXX the company who owns the ATM machine and they stated after researching that the machine dispensed the money and I had to file a fraud transaction with XXXX XXXX XXXX XXXX XXXX XXXX XXXX card company ). I filed a fraud complaint. 

I then made contact with XXXX XXXX and ended up speaking with their Finance XXXX who audited the machine and also had security review the footage and it was confirmed that I DID NOT receive the {$500.00} and she stated XXXX different reports from their system showed XXXX different things, XXXX showed dispensed and the other showed not dispensed. But again surveillance footage proved that I DID NOT receive the money from the ATM. Instead of immediately reversing the transaction and returning my money, I'm being forced to continue my dispute through my credit card company to be made whole. The XXXX did offer to issue me a check for {$500.00} but wanted me to drive 3 hours total round trip to get it or they could mail it to me, but did not offer compensation for the ATM fees nor the cash advance higher interest that I would be charged by my XXXX XXXX for XXXX XXXX XXXX to 14 day turn around. 

It is also important for me to note that this is the second time I have experienced an ATM problem at XXXX XXXX XXXX and using these EVERI ATM machines! This needs investigated because clearly this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 


-- AUTO LOANS OR LEASES 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

XXXX continues to report inaccurate information on my credit report. XXXX   responded that the debt was verified. How is this possible? What was your method for verification? Who did you contact? 

I have disputed this account several times requesting physical verification from AFNI. I  mailed all letters certified mail with signed return receipt in XXXX, XXXX, and XX/XX/2018. I do not have a legal agreement/contract with AFNI to pay this debt. I asked them several times to remove this account from my credit report. Per my rights, I requested a copy of the original consumer contract with my signature that says I agreed to pay AFNI. AFNI refuses to provide me a copy. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report within 30 days. Since AFNI refuses to provide me a copy of a legal agreement with my signature that says I agreed to pay their company for this debt, they must REMOVE this account from my credit report. 

AFNI has and continues to violate my rights according to the FCRA. AFNI is illegally reporting this account on my credit report without the legal verification required by the law ( FCRA ). Please remove the following account from my credit report immediately : Account # XXXX Currently, I do not have a lawsuit pending but I will exercise my rights if AFNI continues to violate my rights under the FCRA and fails to comply with the law. According to FCRA, I may recover actual damages or statutory damages. Statutory damages are up to 1,000 dollars per violation. Under the FCRA, I am also entitled to attorney 's fees and punitive damages. The company has to pay my lawyer, in addition to their lawyer, as compensation for breaking the law. They will also have to pay litigation costs.
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. ACCOUNT : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation letter to Capital One on XX/XX/2018. They are unable to hard copy proof validate the debt.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, the affiant, submit this affidavit with clean hands as the living woman to address unauthorized actions by this credit reporting agency, known as XXXX, XXXX, XXXX and other third party companies. 

This affidavit addresses serious issues, including character defamation and identity theft, as defined in 16 CFR 603, which prohibits the use of another person 's identification without authority.

In relation to the permissible purposes of consumer reports under FCRA 604 ( a ) ( 15 USC 1681b ), it is asserted that there was no written consent from me, the consumer, for this consumer reporting agency to furnish and house my information without lawful authority. While 15 USC 6802 may suggest exclusions, it also states that the consumer reporting agency is in accordance with the Fair Credit Reporting Act.

According to 15 USC 1681a ( 2 ), transactions between the consumer and the person making the report are supposed to be excluded from my consumer report. These rules of construction govern the terms, emphasizing that such actions must not appear on my report without proper authorization.

With this in mind, if you assert that I received goods or services in exchange for any of these unauthorized transactions reported on my consumer report, you must provide a signed and notarized affidavit from a party within your corporation who is authorized to do so and possesses firsthand knowledge of these transactions.

I demand the following actions to protect my reputation as the consumer : 1. Delete all risk factors immediately to safeguard my reputation.

2. Remove all inquiries permanently from my credit report.

3. Remove any fraud alert once all matters have been resolved.

4. Eliminate any delinquencies immediately.

5. Restore or delete any late payments from my credit history.

The presence of multiple installment and revolving accounts with delinquent or derogatory statuses, along with insufficient credit history, negatively impacts the consumer 's credibility and perceived financial reliability, potentially limiting their access to loans, credit, or housing, while also representing private matters that should not be publicly disclosed.

The principle that is it a fault to meddle with what does not belong to or does not concern you underscores the gravity of these violations. My rights have been compromised, and I hereby demand the blocking of associated information pursuant to FCRA 605 ( b ) ( 15 USC 1681c-2 ). My request to block is made in good faith and is not based on any misrepresentation of facts. My nonpublic personal information has been unlawfully disclosed, resulting in defamation and emotional distress, which have hindered my pursuit of happiness.

Furthermore, I will not accept a wrong without remedy. Should these matters not be resolved promptly, I will pursue civil action under 12 CFR 229.21 ( Civil Liability ) and 15 USC 1681n for each instance of non-compliance. 

I affirm that all statements herein are true and correct, and I have attached a list of accounts opened due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on XXXX XXXX balance are incorrect with Transunion. They are reporting balances that are wrong and when proof is submitted the issue is not resolved. There are many inaccuracies on my accounts that have not been taken care of.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024. I, XXXX XXXX XXXX and my Wife, XXXX XXXX purchased a vehicle from XXXX XXXX XXXX XXXX XXXX. The XXXX application was for my wife XXXX XXXX XXXX XXXX and her company XXXX XXXX XXXX. I believe, the Salesman/Finance Department incorrectly entered my name in the Loan application by mistake. All the other information such as social security, phone number, email address and signature were my wife 's. They had to redo the application with the correct name. My ( XXXX XXXX ) credit information was never disclosed not provided. Also, I did not physically sign any documents such as credit application. I am attaching all the documents for Reference : 1. Credit Application- Has my name ( As a mistake, but all the information in the application is for my wife ( XXXX XXXX XXXX XXXX My name should have never been on the application in first place. 

2. I never provided nor signed any documents with my personal information.

3. Letters from Lender showing the inquiry hit.

4. Current Loan documents which shows the loan is under my wife 's ( XXXX XXXX ) name.
Product: Credit card or prepaid card

Spoke with XXXX at the Synchrony Bank customer service XX/XX/XXXX At About XXXX XXXX  and asked why I had a returned payment for an old bank account I had removed from my auto pay. She stated she did not have access to that information and transferred me to a supervisor named XXXX. 

I asked XXXX XX/XX/XXXX at about XXXX XXXX the same question to why funds were pulled from an account no longer associated with payments. She confirmed bank information was changed XX/XX/XXXX to a different account. XX/XX/XXXX a {$55.00} payment was attempted from my old XXXX XXXX account I had removed as a payment method. 

XXXX stated that she could not provide me the account they had attempted to pull a payment from on XX/XX/XXXX. 

This is a case of a blatant fraudulent transaction without my authorization and contrary to what I had requested more than 2 weeks prior to this payment. 

Employees of Synchrony Bank are being paid to cover up this fraudulent activity or choose to simply lie and cover up fraudulent transactions willingly.
Product: Credit card

I noticed from Credit report FICO that on XX/XX/year>, there's a hard inquiry from credit report under Nordstrom/Bank XXXX I suspected someone used my information to apply credit card through the bank. 
On XXXX XXXX, according to XXXX, there's no new credit card - Nordstrom found yet under my credit report, except the hard inquiry which they removed it. 
I tried to contact Nordstrom to find out but no luck. But I have already freeze my credit on XX/XX/XXXX to avoid further fraud.
Product: Credit reporting or other personal consumer reports

Received another deny credit letter to purchase a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Application XXXX XXXX XXXXXXXX stating regrets unable to grant credit at this time based off the source TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX credit score reported at a ( XXXX )! Dated XX/XX/XXXX REALLY XXXX  NO NEVER IF, MY CREDIT WAS XXXX XXXX, I WOULD NOT APPLY FOR A CAR. I WATCH, TRACK AND MONITOR MY CREDIT DAILY ( LIKE BRUSH TEETH ). I wanted to trade in new XXXX XXXX XXXX defected car XXXX that's another issue buying a brand car w problems after going through a XXXX XXXX XXXX recall car, filing XXXX Restarting credit now this is why am struggling. 

I ask to fine TransUnion, because of false inaccuracy reporting and electric removal of hard false reporting, hard inquiries and credit score.. I will enclose documents and proof of XXXX XXXX! Now, the first time tis happened, not to sure who all is involved @ but a company name Clarity address XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX # XXXX XXXX XXXX was mentioned on back page.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a dispute early last year. I have postal documentation showing another dispute was received by the company on XXXX XX/XX/XXXX and ( Transunion and XXXX  ) XX/XX/XXXX. I received no response other than verified. I called Transunion on XX/XX/XXXX and spoke with XXXX at XXXX requesting further investigation under FCRA section 611. I spoke with XXXX at XXXX on XX/XX/XXXX at XXXX XXXX. I spoke with 3 reps ( ( XXXX, XXXX XXXX ) and was ultimately transferred to XXXX in special department at XXXX XXXX on XX/XX/XXXX. I asked for details other than just verified because there were still discrepancies for the XXXX XXXX XXXX account that was deleted on XX/XX/XXXX and reinserted without notice, XXXX, XXXX XXXX and XXXX XXXX. None of these accounts have been investigated properly. I asked for further investigation and received no response. It has been well past the timeframe allotted to update/modify or delete the accounts after a reasonable reinvestigation into the discrepancies.
Product: Mortgage

I have had an issue with City National Bank the past 2 months with not applying my payments in a timely fashion, and charging me late fees on 2 loans that I have with them. I have had these loans with them for 8-10 years, and have been consistent on payments for all this time, and suddenly they are being very difficult on the payments and not applying in a timely fashion. I have sent these payments on the XX/XX/XXXX-XX/XX/XXXX of the months consistently the same way since the inception of these loans, and suddenly it is not proper and fees are being charged. I can not continue to be charged these fees, and want to know why this is happening. I have contacted the relationship officer on these loans, XXXX XXXX, and he just says that it is the postal service and my fault, yet I sent a payment this month on the XX/XX/XXXXwith a holiday in between, and they posted it on the XX/XX/XXXX, which makes no sense since they take a week or more on the other payments posted late. I explained that I am paying in a reasonable fashion, but they keep blaming me and the postal service, but yet they are inconsistent on applying the payments. It does not seem fair to assess late fees on a long time customer that is paying the payments in a reasonable period.
Product: Checking or savings account

Wells Fargo has told me they closed my account for depositing a third party check which is not true. I deposited a check to XXXX XXXX which is one of my registered dba that I had sent my fictitious business name statement to Wells Fargo when I First opened my account. This had caused me a lot of unnecessary problems for my organization.Please help me.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I contacted XXXX, XXXX, and Experian via telephone raising the awareness that I did not received written consent by me acknowledging that they had any authorized; written consent to release any of my information to any third party agency. I called them direct to seek this consent in writing and they have no known acknowledgement of this request of sort.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding the inaccurate information present on my consumer report and their failure to rectify these errors, thereby violating my consumer rights as protected under various laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s2. 

I have recently attempted to correct the inaccuracies on my credit report with Experian through a formal dispute process. Despite providing clear evidence and adhering to the proper procedures outlined by the FCRA, Experian has failed to address the discrepancies and uphold their responsibilities as a consumer reporting agency. 

The inaccuracies in question include non-mailable addresses and incorrect personal information. The erroneous addresses are as follows : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX These inaccurate addresses are currently affecting my credit report, leading to potential harm to my creditworthiness. I have provided Experian with the correct and sole address, which is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Furthermore, Experian has inaccurately reported my full legal name as well as my date of birth. My correct name is XXXX XXXX, and my accurate date of birth is XXXX Any other name or birthdate reported is a direct violation of my consumer rights under the FCRA. 

I am prepared to take legal action against Experian for their non-compliance with the FCRA, specificaXXXXly 15 U.S. Code 1681s2. This section outlines the responsibilities of furnishers of information to consumer reporting agencies and prohibits the reporting of information that is known to be inaccurate. 

I am also relying on other permissible use laws to defend my consumer rights, and I request the Consumer Financial Protection Bureau to investigate this matter thoroughly. The actions of Experian have not only violated federal law but have also put my financial well-being at risk. 

I am seeking your assistance in ensuring that Experian adheres to the legal obligations set forth in the FCRA and other applicable laws. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify this situation. 

Thank you for your prompt assistance and commitment to protecting consumer rights. Additionally, I do not consent to e-Oscar or any means of automated verification
Product: Checking or savings account

My Name, Is XXXX XXXX. 
I would like to complain the ChexSystems XXXX The giving a negative report agains me thats why I cant open a account to any banks I trying to get the information or the report agains me using Electronic system and they said I need to wait within two business days but its already one week I never Receive mail from them..