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

I would like to file a XXXX discrimination complaint against Frost Bank. My company, XXXX XXXX XXXX XXXX XXXX received a loan for {$50000.00} on XX/XX/XXXX. When the XXXX XXXX started in XXXX, representatives from Frost Bank did not inform me of any programs that were available for small businesses. I continued to pay loan interest payments until XX/XX/XXXX when the interests payments more than doubled. After I learned about federal programs to assist small businesses during the XXXX XXXX, I asked several representatives from Frost why they did not inform me about the assistance programs. I spoke to XXXX XXXX from Frost several times about why Frost refused to inform me about opportunities that the federal government had to assist small businesses. I was never offered any assistance from Frost or information from them about any governmental programs. There were reports in XXXX XXXX that XXXX business owners like me were intentionally excluded from federal programs by bank officers. I am an XXXX American woman, and no one at Frost Bank informed me of any assistance programs from the government, nor did they offer any institutional assistance programs to me. 

Frost Bank discriminated against me because of my race by withholding information from me that would have been extremely beneficial to my business ' survival. When I mentioned the programs to XXXX XXXX, the only response that I received from him was that he threatened to sue me if I did not make the loan payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following accounts have violated my rights : XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Debt collection

Hello. Good day. With Age comes maturity. Im conducting a much needed credit health check and have found there are a few Credit Agencys that have reported debt I supposedly owe. Well Ive never received notifications on these debts. Ive heard horror stories about Credit agencys using unprofessional even illegal practices on consumers. 
I have attempted to dispute this with the credit Bureau and it simply comes back as valid. Yet no statements, no letter validating this debt. I found out the origin was in Florida state. Im in California & have no history or ties in that state. Matter of fact my credit history doesnt even display this type of activity of such a large charge {$10000.00} Opened XX/XX/2015 Can you please assist me on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my annualXXXX XXXX XXXX currently only reports on Transunion, I'm not sure where Transunion is getting this information from but neither XXXX  or XXXX  currently reports XXXX XXXX XXXX. This is inconsistent and inaccurate reporting by transunion a violation of FCRA rules.
Product: Debt collection

I asked Global lending Services to Provide me with the Original Accounting, UCC 9-210, I was and have been ignored, 15 U.S.C 1501 for the past few years, I sent a Cease and Desist Letter to the Company, XXXX XXXX, XXXX U.S.C Documentary Evidence, Required for Government Obligation, 18 U.S.C 894 , Collection of extension of credit by extortionate means, Global Lending Services is a Financial Institution and had a Obligation to Perform, I have a Equitable Interest in Promissory Note.
Product: Credit reporting or other personal consumer reports

XXXX violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to CRAs that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete ; failing to provide the date of first delinquency on certain delinquent or charged-off accounts ; and failing to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to CRAs. These violations of the FCRA and Regulation V constituted violations of the Consumer Financial Protection Act of XXXX and could have negatively impacted consumers credit scores and access to credit in many instances. The consent order requires XXXX to take certain steps to prevent future violations. According to XXXX XXXX XXXX XXXX, Equifax is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account XXXX Account Number : XXXX violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C1681c. ( 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: Vehicle loan or lease

On XX/XX/2023 I mailed a cashiers check from my financial institution to refinance and pay off the total left on my auto loan with Ally Financial. The balance on the check reflected the total amount to pay off before the next payment was due, but it didnt reflect on my Ally account until XX/XX/XXXX which caused me to make a payment to prevent any derogatory remarks on my credit score. After making the payment there was a difference of {$420.00} that Ally was going to refund me. I waited 3 weeks for the check to arrive but nothing in the mail. I called Ally and they told me it was sent out roughly around XX/XX/XXXX and I should be getting it any day. Once a week passed I had a feeling something shady was going on and followed up again with another phone call. I told them that I felt the check must have been lost in transit because I still hadnt received it but to my surprise they told me the check had already been cashed and they couldnt send another one. They told me the only option I had available was that they could send me a secure message with the information of the bank that had cashed the check and they would get right on it which was back on XX/XX/XXXX. I called XX/XX/XXXX and just got off the phone with them today to find out that there is still no update or information that they have for me. I asked to speak to a supervisor and all of them were in a meeting ironically. They told me that the supervisor would follow up with me but that was 3-4 weeks ago. Im seeking to attain my refund and end all association with Ally Financial. After spending roughly 5 years with this company Im extremely disappointed with their services and care for their customers. If their only option of referencing me the bank that cashed the check is unsuccessful then they should issue me a direct check or payment to end this once and for all.
Product: Debt collection

I have a pervious account which has been sent to collections i have been making {$20.00} payments every month because that is all i can afford. This company calls 4-5 times a day all hours. I have sent a few letters asking they stop harassing me the payments will be made until its paid off but they still call every single day..
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  should not be reporting a chargeoff on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is in judgment status and scheduled payments are being applied. This reporting is a violation of the Fair Credit Reporting Act. It is mandated by the FCRA that accurate information be reported on a credit report. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

Calls without identifying who they are. Threatens legal action. have told to cease and desist all contact and the still call.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX XXXX XXXX, I missed a call from XXXX in the fraud dept at Ally bank. I returned her call the next day from my hotel room where I was riding out the storm. She was not available. I spoke to another rep who said my account was closed that same day ( XX/XX/2024 ) due to others signing in and out of my account. She said this was fraud. The rep wad able to determine that my VPN made it appear that others were signing into my account from multiple locations. However, no one other than myself was signing into my account. I wad told that XXXX would call me back about this the same day. She did not. I called her back several times the same day. I left messages since I was not able to speak with her. I then started leaving messages for her supervisir since I desperately needed access to the funds in my bank account. No one returned my calls. I had no money to rent the hotel another day. I was homeless and with out food. 
I continued to call for an explanation and to gain access to the funds in my account. They refused to give me the supervisors phone number and refused to let me speak with a supervisor but took my number for supervisor to call me back. I called daily. No one called me back. Two weeks later, I received a check in the mail far short of what was in my account. I had a direct deposit that was apparently returned but there is no record if it. This was a disaster. It happened at the worst time possible. I feel that my rights were violated because I did not receive proper justification for closing my account as required by law. I also did not receive proper notification. Further, there was no fraud. No concern for closing my account during an emergency disaster situation.
Product: Debt collection

On XX/XX/2021 I sent DAQUILA, CONTRERAS & VEGA an Affidavit of Truth certified mail regarding misinformation reporting on my credit report. Account was paid in full but DAQUILA, CONTRERAS & VEGA still reporting negative information on my credit report.
Product: Credit reporting or other personal consumer reports

I am contacting you to formally dispute the late payments that have been inaccurately reported on my credit report. Specifically, the following late payments : XXXX  XXXX XX/XX/year> XXXX  XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These entries are in violation of 15 USC 1681 ( a ), which mandates the accuracy and fairness of credit reporting. XXXX XXXX XXXX XXXX XXXX XXXX I am protected under 15 USC 1681c-1 , which ensures that special protections are given to individuals XXXX XXXX XXXX including the prevention of errors in credit reporting. 

I have attached documentation XXXX XXXX XXXX XXXX XXXX during the time these late payments were reported. Therefore, these entries should not have appeared on my credit report, and I request immediate removal of these inaccuracies. 

Please investigate this matter and confirm the correction as soon as possible. 

Thank you for your time and attention to this urgent issue.
Product: Money transfer, virtual currency, or money service

They have told me my account was under suspicious activity now then now there telling me that I owe them money when I didnt get a email saying I owed them they told me that I have too many accounts then froze my account and cant access my money
Product: Checking or savings account

I was a victim of a phishing scam and XXXX was taken through an unauthorized link in a message. I contacted Chime to dispute the charge. I have not been able to talk to anyone directly in the dispute department. They are not offering a credit until the investigation is over. I filed the dispute on XX/XX/XXXX. Im getting the run around every time I call the Chime customer service number. I already contacted XXXX. XXXX who told me to contact Chime. XXXX XXXX is a fake business that takes the money in this case. There is no contact information for them. I have told all this information numerous times to many people at Chime. I just want my money back in this dispute. I need help because Chime refuses to do anything
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and Transunion data breach.
Product: Bank account or service

I applied and provided {$3000.00} to obtain a secured credit card in XXXX 2017 from Union Bank of California. The card was stolen from the mail. The closed their investigation on XXXX XXXX, 2017 in my favor. I called today to get the status of my card and they advised that I was was delinquent on my account and that I could not receive my card until the bank investigates further which may take another four days. If I had not of called the bank on XXXX/XXXX/2017 I would never of received my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Checking or savings account

I Have Opened Up a New Personal Checking Account with Truist Bank located at XXXX XXXX XXXX XXXX, XXXX, AL., XXXX On XXXX XXXX ( Bank Number - XXXX ) I Have Spoken To XXXX XXXX The Loan Officer/Bank Manager. I Had Informed Her That I Was Trying to Restart My Small Computer Business Back Since Covid First Hit. She Had Informed Me That Going With a Personal Checking Account Would Suffice. I Had Informed XXXX That The First Deposit Would Be Coming Very Soon for The Restart of The Company. 
On XX/XX/XXXX of XXXX, There Was a Starter Deposit In The Amount of {$15000.00}. 
Since Then I Have Dispersed The Funds Accordingly via Wire Transfer ( Business Associates/Parts Required/etc ). 
My Account Was Put Immediately on Hold Pending Corporate Investigation After My Second Wire Transfer ( Outgoing ). 
I Had Asked XXXX What Was The Issue, and She Said That Investigators Deemed It As Fraud. 
I Can No Longer Access My Funds That Are Currently in My Account. 
I've Spoken With Their Fraud Department and Was Told That They Didn't See a Reason for the Hold. They Informed Me That It Was With The Bank Manager, So I've Contacted XXXX Again and She Said That She Will Contact Me Latter in the Day ( XXXX ). After Her Contacting Me, She Had Informed Me That It Was Still Pending Investigation and I Would Have to Wait 90 Days Before I Can Have Access to My Funds. 
Meanwhile, I Have Needs For Those Funds. I currently Have {$1200.00} I've Contacted Fraud Department Afterwards and They've Informed Me That According to The Updated Notations, It Says Corporate Investigation in Process and That XXXX, the Bank Manager, Would Be The Only One to Contact. 
Meanwhile, I've Had to Inform My Sponsors and Investors of the Current Situation as Well as My Clients - People Are Wanting Their Gaming Systems Customized and I Can't Get Started When My Bank Stops Me From Accessing The Funds Required to Complete The Orders. 
I Still Have NOT Been Contacted By ANYONE From The Investigation Department by Any Means. 
Please Help Me Get This Resolved.
Product: Debt collection

TO WHOM IT MAY CONCERN, XXXX XXXX XXXX have contacted me numerous times I do not know who this company is I never signed anything with this company telling me they are operating on behalf of Citizens bank nor do I know who XXXX XXXX XXXX. Im constantly being harassed by this company. 
PURSUANT TO 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is " the term '' credit card '' means and card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This should be removed from My consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ) AND 15 USC 1681a ( 2 ) ( i ).
Product: Credit reporting, credit repair services, or other personal consumer reports

A

ccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Sign
ature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX inaccurately reported a late payment of 30 days for XX/XX/2022 on my credit reports. I disputed the late payment with XXXX and Transunion. The disputes resulted in XXXX XXXX updating to reflect paid on time with all 3 bureaus to include XXXX. In XXXX however, both Transunion and XXXX again inaccurately reported the late payment. Transunion reported it again as 30 days late and XXXX reported it as 60 days late this time with both being inaccurate. XXXX still shows the account as never late although it is now closed which is accurate. I disputed the items again with both Transunion and XXXX using information furnished to XXXX from the creditor themselves that shows {$0.00} past due in the month of XXXX as well as no activity indicator of any payments past due. Both XXXX and Transunion still refuse to update my credit report accordingly. I requested a copy of the information furnished to Transunion in response to my dispute regarding the late payment reported and a representative explained to me they don't get involved or ask for any proof. They only ask the company to verify whether or not is true and if the company says it is verified they will not remove it. 

I filed a complaint with the CFPB which is now closed. Transunion stated they updated the account in the conclusion however nothing has been updated. They stated they removed a name which they did not and that does not address the issue that I have. I have the payment history report that XXXX XXXX furnished to the credit bureaus which shows amount past due for the reported late payment as {$0.00} because there were no amount past due. There also is no activity indicator of a late payment on the payment history report that XXXX XXXX provided. Transunion refuses to update my credit report according to the payment history report provided from XXXX XXXX which I forwarded over to Transunion.