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

I have been a victim of fraud, multiple accounts were opened using my name and my social, this was done by a person in my family, I did not find out until they passed, now Im having issues opening a simple checking account to conduct my daily business, please help
Product: Credit reporting or other personal consumer reports

Early warning services is publishing information that violates the XXXX privacy act. I contacted them via phone call XX/XX/XXXX and sent out a letter on XX/XX/XXXX. they received it on XX/XX/XXXX. Their policy is XXXX for some kind of resolution. they have yet to respond or contact in any form like mail, email, or phone call. I call them XXXX to follow up and they still haven't done anything. they are in violation of the Fair Credit Reporting Act, Section 604. 15 U.S.C. 1681b. I expect them to do their job and perform.
Product: Credit card or prepaid card

Received a late fee out of the normal fee after an auto payment was not set up correctly. Never had been late on a payment before, contacted Capital One customer service and was told they would not waive the fee. Was never late with any payments even during the pandemic. Then contacted Capital One corporate three different times and received no response.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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  XX/XX/XXXX
Product: Credit card

I was recently robbed of my phone which led to multiple unauthorized charges on many of our accounts. I use this XXXX credit card to pay my rent and due to all my accounts being locked, I was trying to use the XXXX card. I wanted to make a minimum payment that would allow me to stay current on my account. I used a separate checking account that would allow me to pay my balance on the card. I used the credit card 's automated system to connect my checking account to my credit card. I reported the fraud on my XXXX card and I asked for a replacement card and made my minimum payment. I am unsure of what happened next and the next time I called the credit card company, they said my account had been closed and offered no explanation. The letter I received provided no further explanation. I can't see the balance on my account or anything like that. I am attaching a police report that provides the timeline of these events.
Product: Credit reporting, credit repair services, or other personal consumer reports

on or about XX/XX/XXXX based on information given on my consumer report received from XXXX XXXX i lost my home owners insurance with farmers and also was denied insurance from XXXX XXXX. After receiving my consumer report, I found that the information was incorrect and that my claims were reported as XXXX claims verses XXXX. I informed XXXX and provided information the correct information. XXXX said they investigated the claim with XXXX XXXX and said they will not remove it, but I can add a dispute statement. I filed a claim against XXXX XXXX with the Department XXXX XXXX case # XXXX. After the investigation it was determined that the information originally reported by XXXX is inaccurate and incomplete. ( XXXX occurrence happened XX/XX/XXXX ) In fact, the homeowners insurance policy with XXXX XXXX is a per occurrence policy. Subsequently, the water damage was the same event but was reported as a second occurrence the ( 2nd occurrence, that was still the same as the first happened on XX/XX/XXXX ). Moreover, these mistakes on my XXXX credit report are devastating. These errors has caused denial of insurance and it is the responsibility of XXXX to maintain accurate reporting records. Since the records have errors, it has caused me unjust hardship and distress including economic damages.
Product: Credit card or prepaid card

I applied for the XXXX XXXX Visa Signature Credit Card which had many desireable features which I was interested in. <P/>As I did not meet the credit standards for the Card as advertised above, I was assigned a card of lower features, a card I was not interested in having or accepting. <P/>The company did n't offer the inferior card, they simply assigned it to me. <P/>Within 10 minutes of being approved online for the inferior card I contacted Bank of America and asked that they rescind my application as opposed to closing the account that I neither wanted nor that I ever used.
Product: Mortgage

I changed Home owners Insurance companies In XX/XX/2019 and notified the bank in XXXX and they removed the forced insurance XXXX XXXX and said I was all good nothing would be charged me. Shortly after I received a notice that I need to have wind coverage added onto the insurance. I called my agent and they said I couldn't add it even though the insurance was young I had to cancel and reorder insurance with the wind which I did. The bank Had NO insurance on my property since they cancelled everything XXXX XX/XX/2019 ) once I submitted the insurance from the start of what they thought was a lapse. I had insurance the whole time. Once I turned in the new policy they said I had to prove i had wind insurance from the beginning. The insurance company wouldn't do it back date so I told them. In XX/XX/2019 they supposed took out wind only insurance for XXXX what wind insurance costs of one year for the time period XXXX XXXX. They did not have insurance on my property at this time but months after supposedly purchased it after the fact. I was told multiple times I would not be charged for it on the phone ( which they always insisted we talk by phone ) I have no written proof but I did have one name which they supposedly never found the person. Once they told me I would not be charged I threw away all the little pieces of paper with all the names and times I spoke thinking it was settled. They have been harassing me and not applying my house payment, charging late fees and likewise high jacking me with their insistence on charging me for a service I DID NOT RECEIVE. I have been arguing for two years over and over with no success. I do not plan to pay for a service I did not receive. According to my insurance agent you can not collect for service that is past. That is why they could not just add it. My wind for that year was under {$200.00} for the whole year-where they are trying to get {$210.00} for one month and not actually providing that service. I am adamant about not letting a big company take advantage of me. Please help or tell me who I can go to to get help.
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to TRANSUNION for allowing the fraudulent accounts on my credit report. I filed an FTC report, with the identity theft report number XXXX. 
As I checked my credit report these fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy and CFPB rule on medical collection.I have again attached the FTC report together with the letter of explanation for the reasons why these accounts should be corrected or deleted from my files.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unfair credit practices. that i have experienced. The actions taken by Ally Financial, have negatively impacted MY consumer report and has VIOLATED.my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) to be more specific, 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Ally Financial, Inc ) making the report. Pursuant to 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Ally Financial, Inc ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I recently obtained a copy of my credit reports.on ( XX/XX/2023 ) and discovered several inaccuracies and discrepancies that are ADVERSELY.affecting MY CREDITWORTHINESS. However, in Ally Financial , Inc terms and conditions they agreed not to share my information with non affiliates to which they stated the the credit agencies is an affiliate. XXXX, XXXX and XXXX is not an affiliate of Ally Financial , Inc because they are NOT " credit bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. If they believe otherwise, I demand that they send me proof that those consumer reporting agencies are indeed bureaus and it must be written in federal law. Additionally, I demand to be sent the book entries security of this account to validate this Alleged Debt. If they can not provide this, then they must update this account on all consumer reporting agencies such as XXXX, XXXX, and XXXX any and all other 3rd party agencies. AS Paid As agreed. Further more,. There are two inaccuracies with this account. The first is both XXXX and XXXX are reporting two completely different information which is already grounds for removal. The second inaccuracy is that this account is marked as a charge off / cancelled debt and that can not be reported due to the fact that the IRS considers charge off as income. So in addition to validating this debt by sending me the book entries security, I am now requesting a copy of my 1099c that was filed when this debt was canceled/ charged off on XX/XX/2023 as I never received it. Lastly pursuant to the fair credit reporting act, to be more specific 15 USC 1681b, This also serves as my consumer instruction to update this account to paid as agreed, on my consumer reporting a.k.a credit reports.
Product: Checking or savings account

Used online banking to cut a personal check. Meaning the bank cuts a physical check and mails it USPS. They are withdrawing the money from my account the day they cut the check. Not the day its cashed. 

Thats illegal. If that person receiving the check doesnt want to cash it or the check doesnt even reach attended party. Why should Chase earn interest on the monies while that money sits frozen pending apposed to the owner me. This is Chase Banks online banking practice
Product: Credit reporting, credit repair services, or other personal consumer reports

my identity was stolen to open accounts and i have several bks on my credit that isn't me.
Product: Credit reporting or other personal consumer reports

Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that experian, XXXX, XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, Experian, XXXX, XXXX failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Experian, XXXX, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving experian the opportunity to make this matter right by way of the following ; REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INACCURATE PERSONAL INFORMATION,
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my credit report and all information related to this matter. 

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to include hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
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 violating the Consumer Financial Protection Act ( CFPA ). In particular, Cash App failed to take timely and effective measures to prevent and address fraud on its platform, leaving my account vulnerable and unprotected. In addition, 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 to these violations.
Product: Payday loan, title loan, or personal loan

I was informed via email on ( X/XX/17 ) from Cash Central a reminder notice that I had a payment of {$380.00} that would be withdrawn out of my account that was due on ( X/X/2017 ) on a loan of {$2500.00}. I immediately called & informed the Rep.I spoke with that I definitely did NOT borrow any money, no money had been deposited into my acct from their Company, let alone was not aware of such a transaction had taken place in my name until that date Therefore it 's evident that someone had committed fraud against me & I wanted to get this matter resolved asap! I was told that I would have to fill out an Identity pkg, sign a affidavit, have it notarized & get a police report which they were suppose to email me., Unfortunately I never received the pkg from them & had to notify them at least ( 3 ) times as such. They finally mailed me the pkg on ( X/X/17 ) which I received on ( X/X/17 ). <P/>As a result, I 've filled it out & faxed to them on ( X/X/17 ) & at this point, it 's still a work-in-process until I hear from them & get the outcome of their findings.
Product: Mortgage

Hello, I was reviewing my home loan and noticed something strange. The lender is NOT applying any funds I make above my payment to the principal. 
Instead they are holding those funds in a separate account that I can only presume that is interest bearing, for them. There is a note on my statement that says : " any partial payments that you make are not applied to your mortgage but are instead held in a separate un-applied funds account. If you pay the balance of a partial payment the funds will be applied to your balance. " I looked for clarification and this is what I found : Unapplied Funds Balance. If you send in less than a full payment, this will show the partial payment, which we 'll hold until enough money has been received to make up a full payment. Once a full payment is received, we 'll apply the funds to your account. 

I have been making payments above my min and my next scheduled payment is in XXXX. 
I am NOT and have NEVER been behind. Green Tree bought my loan from XXXX Bank and again I have NEVER been in any type of default status. 

IS it lawful to hold back overpayments? I want to make them apply these funds to my principal immediately instead of allowing them to have a " slush fund '' on the side for them. These " partial payments '' have been in the range of $ XXXX $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the Month of XXXX, I have sent numerous letter to the credit bureaus asking them to remove my bankruptcy. I have received a letter from the XXXX XXXX clerk verifying that my bankruptcy was not reported to the credit bureaus. I have sent multiple copies of this letter to the credit bureaus and they are refusing to remove the bankruptcy listed on my report.
Product: Debt collection

30 days ago I sent a letter to XXXX that I was concern about the validity and accuracy of there investigation, of the accounts of XXXX XXXX  # XXXX. XXXX XXXX # XXXX ) XXXX XXXX  # XXXX ) XXXX XXXX # XXXX that these accounts are not reporting LEGALLY. I received a response letter stating that your investigations was completed, PLEASE EXPLAIN TO ME WHAT YOUR REPRESENTATIVES UNCOVERD ) HOW YOUR INVESTIGATION WAS CONDUCTED AND WHAT LEAD THEM TO BELIEVE THAT THE ITEMS ARE REPORTING LEGALLY ON MY CREDIT REPORT # 1 ) WHAT CERTIFIED DOCUMENTS WERE RECEIVED TO CONCLUDE YOUR INVESTIGATION ) PLEASE PROVIDE ME A COMPLETE COPY OF ALL INFORMATION OF YOUR INVESTIGATION THAT WAS TRANSMITTED TO THE DATA FURNISHER, AS PART OF YOUR INVESTIGATION, WHAT DID IT COST YOUR COMPANY TO OBTAIN THE DOCUMENTS. NEEDED TO COMPLETE YOUR INVESTIGATION. PLEASE PROVIDE PROOF OF YOUR TIMELY PROCUREMENT OF CERTIFIED DOCUMENTS. AND DID YOU DIRECTLY SPEAK TO ANY AGENT.THAT WAS REPORTING THE ACCURACY THAT YOU ARE REPORTING IF YOU REPLY YES TO THE ABOVE WHO DID YOU SPEAK TO? WHAT WAS THE DATE AND TIME.HOW long WAS THE CONVERSATION WHAT WAS THERE POSITION. WHAT NUMBER DID YOU CALL I REQUEST A NOTORIZE AFFIDAVIT CONFIRMING THE INFORMATION PROVIDED IS TRUE AND CORRECT UNDER FEDERAL LAW IF YOU ARE NOT ABLE TO PROVIDE THIS INFORMATION REPORTING ON MY CREDIT REPORT PLEASE DELETE AND SEND ME A COPY OF MY CREDIT REPORT
Product: Credit card

My husband died on XX/XX/XXXX. I have been disputing a " joint '' status on a credit card for many years. I called the card company ( AT & T Universal Master Card through CitiBank ) and advised them of his death and that I demanded to see a credit application with my signature. I have the original paperwork and it 's in my husband 's name only. He has no estate. They have not sent the documentation which they promised to do in 7-10 days ( it 's been over that time ), instead, they sent a new statement in my name only. I believe that CitiBank is in violation of State and Federal law. Citi/A T & T have not provided any application signed by me. This card was opened in the XXXX or early XXXX by my husband only.
Product: Money transfer, virtual currency, or money service

Good Afternoon.. my dears At Consumer Financial Protection Bureau.. greeting My complain today is against [ Wells Fargo Bank, Service of process ], Since after almost more than 5 months wells Fargo Service of process , returned My judgement uncollected Because, of their own mistake [ wells Fargo Altered my Civil case NumberXXXX ] Please see my email message.XXXX 


Kind attention : my dear XXXX XXXX senior business Exceution Administrator good morning.. and Good morning to my dears at service of process team at wells Fargo bank as well. 
Dear XXXX I noticed very big mistake in your letter you sent it To me on date XXXX XXXX My case is XXXX Also all Defendants names are listed here [ Plaintiff Federal Procedure XXXX ] Attached for your kind attention See also [ judgment statement of cost ] Also puch of Defendants names Listed at petition Write of XXXX XXXX above Dear XXXX please process My judgement, since the civil case Been found on your correspondence to me was wrong Please notify me upon receiving My email message, thank you, and XXXX Bless Yours Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out because I have completed my monthly payments with XXXX in collaboration with XXXX, and as of now, XXXX is claiming that my balance is still past due and is accumulating charges. This has resulted in increasing credit card charges as well as a significant decrease in my credit score figure. I have reached out to XXXX  customer service, XXXX  security and Fraud, and XXXX  about these charges, but they have turned me away and said I had to be in direct communication with the other individual business, and that they are unable to initiate an internal dispute for this because I am outside of our 60 day dispute window. I am attaching the following documents to help support my claim, in PDF format.
Product: Checking or savings account

On Thursday, XX/XX/XXXX, I called into Chase Bank to inquire as to why my debit card wasnt working. I was told at that time that my accounts were being closed. I have continued to follow up so that I can get the funds that were in all XXXX accounts that they closed. They kept saying 10 business days and I would receive a check. This week I got letters saying the accounts werent closed until XX/XX/11 and the 10 business days started then. Its been more than that already. I can not pay bills and am delinquent on a few because of this.
Product: Debt collection

For a year now, Ive tried to work with all three credit bureaus. To date people have my information due to identity theft. I found out through XXXX, that I was sold on the dark web for years. Ive gotten so many disputes taken care of but then I go to XXXX XXXX, and they have not updated anything. And to date people are still trying to get credit.There are places of employment they said they verified thats not true because I never worked at these places. In XX/XX/XXXX and then all these other dates I know where I was that and I dont even know these places of employment. Though they say they verified it thats an impossibility. Midland funding, XXXX finally settled my dispute and shut them off, the other two have not. I have disputed addresses I have disputed false names I have disputed false phone numbers, and I have disputed all these hits on my credit that are not me. Id like to add that my bank account two months ago was emptied and Im still trying to deal with my bank. Ive been mirrored by an XXXX XXXX, they managed to mirror all of my emails, Im trying so hard to get them to listen to me to just hear me and they wont help. Every time I dispute they say no its accurate, no its a complete inaccuracies.I need help. These go back date wise so far even up to today. There are so many things Ive disputed Ive proven to be true, credit bureaus dont want to help. Please help me.
Product: Credit reporting or other personal consumer reports

In accordance with the advice from a recent advertisement, I have obtained a copy of my credit report and have noticed inaccuracies that concern me greatly. I take pride in my responsible financial behavior and do not wish for these inaccuracies to misrepresent my creditworthiness. I kindly request the removal of the following items so that my credit report accurately reflects my history as a responsible payer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete this fraudulent account from my credit file ASAP.