23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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

XXXX XXXX I filed a complaint dispute with XXXX XXXX and XXXX on behalf of information they are listing from Credence Resources Mana, XXXX. XXXX, XXXX and XXXX XXXX XXXX 
Per the FCRA, as a federally protected consumer, I am now opting out all authorization I the consumer may have given you. This includes verbally, nonverbally, written and unwritten permission per 15USC 6802. Effective immediately and indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  of   XXXX   I missed a payment with  XXXX  and I continued to make on time payments for every month after that but each month they reported me as late. I have spoken to them numerous times and they refuse to correct this error. Also during the month of  XXXX    XXXX   when I was having financial trouble I applied for loan assistance, called  XXXX  to help,  a Loan modificat ion, and asked to pay more each month to catch up. All was denied. Please remove these late payments from my account as soon as possible.
Product: Credit card or prepaid card

I received a fraudulent charge on my capital one credit card. 
I momentarily shared with capital one by placing a call to them when I received a message that there was a charge on my card for {$560.00}. 
They explained to me that I was not responsible for this charge and they would issue me a credit by midnight that day. The following day I logged into my account and I saw that they did credit my account back to its normal balance. I also received a letter stating that they would refund my account for the charges. I went to pay my credit card yesterday XX/XX/2018 and noticed that they have removed the credit that they had applied to my account. Needless to say I am extremely upset that they would do such a thing add the credit back and then remove it for no reason. When I spoke to the fraud department to supervisors XXXX and XXXX. They both claimed harshly that I would not be credited until the investigation was over. I explain to them that I received a letter telling me that my account was refund it and they just simply blew that off. I told him you can't send a letter to a customer telling them that your accounts credit it back to its normal state and also have me log into my account and see for myself that it was credited back to my account. However I go to pay my bill and I see that they have remove the credit. This is beyond way not acceptable and should be handled in the proper manner. That is why these big companies are insured why should a customer have to wait. This is unbelievable please help me correct this problem! If this was my only credit card, this would not be helpful for me & very sad. Also my credit card was sent to my old address, although I had gave them my new address. Anytime I use my credit card on mine I had to type in my ZIP Code and the ZIP Code that I typed in was my new ZIP Code not my old one. Which clearly lmakes me question why they would send it to my old address. And also how can my credit card be used if it had already expired. It expired in XX/XX/2018 and this charge was made in XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS INFORMATION IS NOT SUPPOSED TO BE ON MY CREDIT REPORT, THERE ARE MULTIPLE CLOSED ACCOUNTS THAT SAY THEY ARE REFINANCED  ALTHOUGH THEY ARE IN GOOD STANDING THIS NEEDS TO BE REMOVED THERE ARE ALMOST 20 SHOWING THE SAME. 


es 30/60/90 days late ( Last 7 years ) XXXX Additional Information XXXX XXXX XXXX XXXX XXXX Account closed due to refinance Creditor Name DEPTEDXXXX Creditor Contact XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Is everything looking correct? 
If not, you can report an inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again and after multiple attemptscI find this agency incapable of maintaining accurate adctibely information. After applying for a loan the bank received a credit file alert requiring they contact me. In effect they were locked out without my prior approval. Interestingly my account gets hits DAILY by unauthorized banks, lenders, and others without any so called protection or lockout which drives my credit score and everyone 's down. Shamefully and documented, this alert, which I never authorized, was removed and reported months ago, multiple times through the CFPB AND direct contact HERE WE ARE AGAIN months later. It is a confirmation of the CFPB INEPTNESS AND THE CREDIT AGENCIES AND SYSTEM. FRANKLY, AND BY EXPERIENCE AND VIA HUNDREDS OF UNRESOLVED COMPLAINTS. MY ONLY BELIEF is this entire system a giant scam perpetrated on the American people to keep them subjugated financially. TO BOOT I EXPECT mind you a letter advising me they have no notice, to remove what I never placed and until they get such it will remain on. Pathetic is too kind axword to describe them
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

My credit report lists several accounts I didnt authorize. Please take swift action to block and remove them.
Product: Checking or savings account

On XX/XX/2017, I made a large deposit ( {$1500.00} ) into the Capital One Bank ATM machine between the hours of XXXX and XXXX XXXX I inserted my bank card and made the deposit. The machine accepted the funds and did not return any funds. At the end of the transaction, the machine did not provide a receipt. I reused my card to see if the deposit showed in my balance and it did not. I did not know what to do. The money was being deposited in order for me to pay my mortgage online via my Capital One account. I then called Capital One and told the representative about the problem. She said they would balance the machine and would register the funds at that time. Approximately 3 days later the funds were placed in my account. A month later on XX/XX/XXXX the funds were reversed without any advance notice. A secure message indicated that the claim was closed and that the ATM machine balance out. This is impossible since I made the {$1500.00} deposit. I can only assume that they credited another customer with my deposit if the ATM machine balanced or the funds were stolen since a receipt was not generated for the deposit. I tried to contact Capital One several times and finally talk to someone in Fraud. I was told that they would reopen the claim since it could have been they looked at the incorrect ATM machine. However, since I have received another secure message indicaitng that the claim was closed without any additional information. I have requested the information used to close the claim. I am totally disenfranchised since without doubt the deposit was made. I have faxed Capital One my receipt of where I withdrew the cash funds from XXXX  XXXX XXXX which indicated the time and drove 3 miles to make the depisit into the Capital One ATM. I also provided them with my description hoping they could use the camera 's on the machine or in the area which will show me making the deposit. I am thinking this is not the first time this issue has happended to customers and it is indeed stealing from consumers. I am now delinquent on my mortgage as a result, as well as, I have had to cancel a planned trip to XXXX to visit my son who is in the XXXX XXXX. I am totally disappointed and upset with how Capital One has handled this situation for such a large sum of money for an average customer.
Product: Mortgage

In 2016 I had identity theft and all my accounts with TCF were affected draining my income, and I was facing foreclosure. I was able to recover and pay everything current, but they still foreclosed without informing me. TCF never changed my account information when I reported fraud with my accounts and requested new accounts and cards, twice I was a victim from Tcf. I still am current on my mortgage and taxes since. Suddenly this past month I received a petition. For a foreclosure that should have never gone through, nor was i properly informed or served by anyone. The one I see on property records is missing the stamp among other mistakes. I need to prevent losing my home I built and lived in for over 30 years. Im retired and facing being homeless from fraud. Ive contacted lawyers everyday and struggle to find help with my case. People who are victims of fraud shouldnt have to face losing their mortgage for over 30 years and face being homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I received a letteer from XXXX XXXX XXXX in regards to a debt that i supoosely owed. I paid them with the regards of having the item removed from crecit file. as of this date, the item still shows up on XXXX and Transunion. I've made several attempts to rectify the issue. I'm in the process of purchasing a home for my family which I told this debt collection agency XXXX. They still have yet to removed this item. So I'm asking for help in this matter Thank you
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

All dates, amounts, and actions are included on the attached document. 

Background : My wife and I made an offer on a house that is contingent on a VA loan assumption with US Bank at the end of XX/XX/year>. During the process of assuming said loan, the US Bank Assumptions Department has continuously delayed the process in multiple ways. Please reference the attached timeline. 

Their procedures demonstrate either negligence to the process of a VA loan assumption, a blatant disregard to the well being of their clients in the self-interest of their company, or both. 

US Bank 's internal policies on VA Loan Assumptions appear to be specifically designed to delay the VA loan assumption process and focused on their self-interest. 

We have contacted the VA and their recommendation was to file a complaint with you, the CFPB.
Product: Debt collection

I contacted Trident Assest Management to validate XXXX returned checks that I have no knowledge of. They sent me XXXX checks with signatures that do not resemble mine. I was never notified of any returned checks to the company listed on the check or the company. I also requested information on their right to the money they say I owe them. I did n't receive it. These accounts remain inaccurate, unvalidated & they continue to report on my credit reports.
Product: Checking or savings account

Capital One reports a vendor issue impacting deposits of paychecks, transfers, etc. Basically Cap One Vendor outage or issue has stopped Cap One from being a bank overnight. 

Capital One outage prevented paycheck from depositing into my accounts this week. 

There is no estimate on when a fix will go into effect AND we're going into a bank holiday weekend this weekend ( today is Friday XXXX ) The bank just is saying they had a problem with a vendor- so because of that my $ XXXX paycheck is unavailable to me with XXXX estimate on when they will make my check available to me. 

This impacts auto payments as well because I can't " not get paid '' with no ETA on a fix!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX Account number : 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: Debt collection

Hello, I hope this complaint finds you well. 

I was happy to resolve this pending issue with XXXX. 

However, on my XXXX credit report now it was recently added that Portfolio Recovery is seeking {$680.00} that has been already closed and paid. It is improperly showing a collections account from the original creditor XXXX XXXX. This account in particular has already been paid off and closed on my XXXX credit report, but still showing on my XXXX  report. Please find images backing this claim up attached to this message. 

I had initially sent this dispute to XXXX  along with a Debt Validation Letter to Portfolio Recovery on XX/XX/XXXX. The parcel was never responded to. 

Furthermore, I currently have a XXXX XXXX credit card as additional proof, and have been diligently paying this card for the past 8 months. Please help me resolve this issue with XXXX. 

Attached to this email you will find the Debt Validation letter I have sent Portfolio Recovery, along with my XXXX  report confirming that they have removed said Collections account from my report. 

Furthermore, you will find my XXXX Credit Report dated XX/XX/2019 which only shows 1 ( ONE ) collection account that was on my report. Please find all associated evidence that I have accumulated. 

To add further grievance, when I contacted Portfolio Recovery they refused to provided me any further information nor validation for said debt. 

The confirmation number for my XXXX  dispute is XXXX. 

I would sincerely appreciate any help that you could give me for this issue!
Product: Prepaid card

I was able to use a portion of my American Express prepaid card for a POS purchase but no matter what I did, I could not use the card online to purchase. Customer service had me on hold 30 minutes and it was never resolved. I tried using it on XXXX to no avail. It was declined 5 times even though I had sufficient funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car loan was paid in full, however it is still reporting a balance and a past due amount. This is affecting my ability to get a mortgage and other loans. I have tried to resolve the issue with the car loan company ; however, the this issue still remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB had a breech as well as all these other reporting agencies which causes me great concern with my information not being accurate. The addresses and employment information is mine i have attached my id and they still continue violating me, the information below is not mine 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 reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. 
CREDIT REPORTING AGENCY NAMEhas in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 

I have enclosed copies of my state issued identification and social security number to validate my identity.
Product: Checking or savings account

Dear CFPB : I am filing this complaint to bring to the Consumer Financial Protection Bureaus ( CFPB ) attention the egregious and illegal overdraft fee practices of U.S. Bank, which have caused me significant financial harm and damage to my creditworthiness. 

In XX/XX/year>, I received a letter from U.S. Bank acknowledging that my account had been improperly charged {$900.00} in overdraft fees, which they have since refunded. This refund, however, represents only a portion of the harm I have suffered as a result of U.S. Banks misconduct. 

These illegal overdraft fees, totaling approximately 25 separate instances at {$36.00} per occurrence, were charged over a period that led to my checking account being overdrawn by {$50.00}. Due to the accumulation of these fees, U.S. Bank subsequently closed my account, leaving me unable to open a new checking account and causing significant damage to my credit score. 

I strongly suspect that I am not the only customer who has been subjected to these unfair and deceptive practices by U.S. Bank. I believe that a more comprehensive audit of my account and possibly the accounts of other customers would reveal a pattern of similar misconduct, extending beyond the six-month look-back period typically used in such reviews. 

It is essential that U.S. Bank conducts a thorough audit of my account to ensure that all instances of illegal fee charges are identified and refunded. The limited review that has been conducted thus far does not suffice to make me whole for the financial harm I have endured. Moreover, I request that U.S. Bank take full responsibility for the improper closure of my checking account due to these illegal fees and compensate me for the incidental damages this has caused, including but not limited to my inability to open new accounts and the adverse impact on my credit score. 

Additionally, my attempts to contact U.S. Bank by phone to seek further clarity on the nature of these illegal fees were met with deflection. I was told that I should instead contact the debt collection firm to which U.S. Bank referred my account after unlawfully closing it. This response further demonstrates U.S. Banks unwillingness to take accountability for their actions and provides yet another example of their egregious and unfair conduct.

I strongly believe that U.S. Banks actions constitute an actionable example of Unfair Deceptive Acts and Practices ( UDAAP ). Should U.S. Bank fail to fully cooperate with this audit and make me whole, I will be compelled to take legal action. I seek not only the full refund of all illegal overdraft fees charged to my account but also compensatory damages for the improper account closure and the significant incidental damages that have resulted.

I urge the CFPB to investigate U.S. Banks overdraft fee practices, as they likely reflect a broader issue affecting numerous customers. The CFPBs involvement is crucial to ensure that U.S. Bank is held accountable for these illegal practices and that affected consumers receive the compensation they deserve. 

Thank you for your prompt attention to this matter. 

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

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below is the account I am requesting to be reinvestigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Hello! 
I am writing regarding my application with Aidvantage under the new Joint Consolidation Separation Act which XXXX XXXX passed on XX/XX/2022. I applied for consolidation on the XXXX XXXX XXXX website and selected XXXX as my service provider. Aidvantage was not even listed on the application to select and receive a notification when it was submitted. XXXX is currently my service provider and has submitted paperwork to Aidvantage to process my application for PSLF. I applied on XX/XX/XXXX, which would allow me to be considered with the Limited waiver policy with the XXXX. 
I have contacted Aidvantage for over a month trying to find out the status of my application for the Joint Consolidation Loan Separation Act. 
I have received two notifications that my application with Aidvantage has been canceled and denied because it is a spousal loan. I have tried to inform Aidvantage that my application should be reinstated due to the new Act which I applied for before XX/XX/2022. 
I feel my application needs to be reviewed and sent to XXXX for processing under the PSLF program. My PSLF application with XXXX was approved on XX/XX/2022, and just need Aidvantage to submit my information to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian are all guilty of the infractions below. 

- Account information incorrect - Account status incorrect - Personal information incorrect - Public record information inaccurate - Old information reappears or never goes away Under 15 USC 1681 ( a ) ( 4 ) Congress makes it clear that a consumer has a right to his/her privacy. 

XXXX, XXXX and Experian are guilty of the infringement upon my consumer rights to privacy, pursuant to 15 USC 1681 ( a ) ( 4 ).

Under 15 USC 1681b ( a ) ( 2 ) XXXX, XXXX and Experian did not have a permissible purpose, nor did they have my written instruction or permission to publish this particular item on my consumer report.