23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/2025 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

A personal co loan application was submitted to OneMain FinaciaXXXX around XX/XX/2021 for XXXX XXXX and XXXX XXXX. All requested documents were uploaded properly and on time including hi paystubs of XX/XX/2021. The loan officer XXXX conducted unprofessional behavior towards the application of the personal loan. When additional information was requested to verify ID a week later of the loan application after having the ID on file from being a customer of a car loan ( which monthly payments are made onetime ) XXXX the loan officer of XXXX, FL didnt not return calls in a timely manner to complete the process of the loan. 

XXXX informed us through phone with no email that the loan was approved on XX/XX/2021 but when work verification was applied at the end it decline due to XXXX XXXX working status. XXXX was very unprofessional when she informed me the cosigner work history and last day of work. XXXX also informed me the reason for the cosigner ( XXXX ) was no longer working at the time. 
The documents were submitted on time within two weeks of work earnings. XXXX also informed us that we couldn't use a cosigner out of another stated if decided to reapply. 
XXXX 's professional conduct to inform me/us of details of the cosigner was illegal and too much information was given about the cosigner work status XXXX XXXX XXXX XXXX. 

When I contacted the cosigner 's XXXX XXXX XXXX employer to verify if anyone called to get a work verification form the agency stated no. I am uncertain how XXXX 's knowledge of the cosigned was given since no work verification form was submitted nor requested. 
I am asking for investigation to be conducted to determine at fault and wrongful doing. 
It is lawful for someone to give information to any third party without proper consent nor does any third party has the right to know when the last day work or personal status. The documents were submitted on time. I find it strange for someone to approve a loan without submitted accurate work stubs. XXXX 's information of dates of paystubs were inaccurate. I submitted the correct recent two paystubs and the loan was approved and then we received a call to saying the loan didn't go through. 
I find XXXX 's action of loan processing illegal. 
Thank you for you time and assistance. 

XXXX XXXX
Product: Student loan

The school closed down before I could return. They have had history of embezzlement at this location. Many of us were bribed to attend the school with out properly being explained the contract. We were told the first year I attended that we would not receive our pell grant money because it went towards tuition while still being forced too pay monthly fees towards the tuition. I signed up for the work study program to help me pay my bills and tuition and I was told that I did not qualify. Many student had to complain to the headquarters to get the money they were holding. Many of us could not find employment relating to our degree. I feel robbed and I am in debt because of them? They used the fact that we were single mothers with he hopes of careers. The financial counselor made me pay a XXXX in person application fee. All the money i paid her she embezzled before she was fired. The medical scrubs they gave me did not fit so they took them back and I head to purchase my own. My graduation date was pushed back so many time which ius the reasoning had to take a medical leave twice. After my medical leave I went back to return to the school but get had immediately shut down. I went to this school in XXXX and in XXXX. My credit shows many different charges from them and money I never received.
Product: Mortgage

Hello - This complaint is against  Fifth   Third  Bank. This complaint is in regards to unfair business practices under the fair credit reporting act. This complaint is also in regards to fifth third bank engaging in unfair treatment and practices against minorities. In the past fifth third bank has been ordered to pay over  XXXX  for lending violations. While, this is not a lending violation it is a matter of fairness.     Fifth third bank accessed a 30 day late notice to my mortgage account after there was a mix-up regarding setting up automatic bill pay. Because there was confusion in the past, I was under the assumption that automatic bill pay was setup and there were no issues. However, that was n't the case. On  XXXX   XXXX ,   XXXX  , I call regarding the account and was informed I was 30 days late. I immediately paid the account and begin to investigate. The facts are ; 1. On  XXXX   XXXX    XXXX   - The fifth third agent said on a recorded line that the bank did not have a number to call me. She took my information and said she would update my file.   2. Fifth third bank never called me during the 30 days of  XXXX  to let me know the account was behind.   3. Fifth third bank send  1  letter - because I travel weekly, I did not receive the letter. Which is why a call or having bill bank established is critical 4. Fifth third bank indicated in written communication that they never called me 5. Fifth third bank called me regarding my loan for the first time in almost  XXXX  years on  XXXX / XXXX /  XXXX  . This is no coincidence.   6. The rep from fifth third bank stated that the late date could not be removed because it 's accurate and the bank made no mistake. However, that statement is false, according the fair credit act, a lender can correct or delete negative information reported.     I 'm asking that the 30 day late date be removed due to the following ; 1. Inaccurate information given to the consumer 2. Fifth third bank failed to call me regarding my mortgage. While they may not have to call, it 's the right and FAIR thing to do to keep customers from getting behind. Because the bank indicated I never received a call, I 'm asking that the bank assume responsibility for not doing all they could to protect me.   3. There was clearly a mis-communication between myself and fifth third bank regarding the automatic bill pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one bank checked my credit report without my permission. I have hard inquiries on XX/XX/XXXX and XX/XX/XXXX. My credit score went down and i got 2 more inquiries in my report. Id like to fix it and remove it from the report.
Product: Credit card

I received my Chase Sapphire XXXX card in XX/XX/2022 and payed off {$4000.00} worth of spending in a timely manner to receive XXXX travel points, worth approximately $ XXXXThe card was not working during my study abroad time in XXXX XXXX XXXX When I returned, my card still was not working. I did not use the card frequently since it was mainly for traveling purposes, however, I called the company periodically. My card was closed and purged in XXXX with no notice. After calling the representatives, they stated there is no set time for how often a card needs to be used before they can purge it. They are allowed to take my credit card and points away for no reason and no notice if they desired to. It is astonishing that such a large company is allowed to function this way. They were able to reap the benefits of having another user while not needing to give the bonus since they can close an account for no reason as the usage needed to keep an account active is not found in their user agreement. My card was opened and used and in less than a year it was close. This is a very normal timeline for credit cards and a different practice should be clearly conveyed to the users.
Product: Checking or savings account

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX Dear sir, I have received from your office, XXXX XXXX XXXX XXXX, which must be a section of Wells Fargo from many sections related to many financial institutions. I have read the contents and, as far as I concern, I need to ask what is the Letters from Overdraft Collection and Recovery, since, simply, I never had those issues with any banks ; therefore, I never expressed the concerns over these matters. I need to request the official authorities to check these matters. 
Second, I do not understand at all what you are trying to imply by mentioning the banks authentication process at Customer Service. You have mentioned that we had the phone conversation ; however, I never answer the calls from any companies ; therefore, no phone conversation with your employee. If your employee believes we, XXXX XXXX and your employee, XXXX I, had some phone conversation ( s ), your office needs to provide the evidence ( s ), and I will submit to the authorities for the investigation for my safety. As your office provides the financial services, your office should monitor the employees calls ; therefore, your office must be able to provide this evidence. 
Also, I need the clarification what do you mean the former information in Privacy Concern. I need to know whether it is in this letter or in the phone conversation which we never did.
Product: Credit reporting or other personal consumer reports

Since I make a complaint against this company yesterday today they decide to put me like Im over the limit when this account is already close since XX/XX/year>. Also they lie again about it just to damage my credit again You guys should fine this company and make audit about every account they own
Product: Credit card or prepaid card

On XX/XX/2023, I found out that my Discover Credit Card Account was closed without my knowledge. I learned this information after seeing a drop in my credit score. I contacted Discover to inquire why my account was closed without my knowledge. Discover reported it was due to inactivity. I never received any notice of that. Discovered noted a letter was mailed. They also noted a email was sent. Neither of which I knew about. They confirmed that they never attempted a phone call, although, it is the preferred method of contact. The major concern is the negative impact to my credit. In addition, the account has been open for approximately 9 years. I have never missed a payment, I have always been in good standing, in fact, there is a minor credit on my account due to overpayment. I have contacted Discover several times and escalated it. Each time their response is sorry, nothing we can do. The account was closed late XXXX. Discover noted that they sent notice in XXXX.
Product: Credit reporting or other personal consumer reports

This account is currently involved in pending litigation and should not be reflected on my credit report.
Product: Payday loan, title loan, or personal loan

I got a personal Loan for {$70000.00} and told them I only needed {$63000.00}. I immediately sent/stated {$7000.00} will be return. I was charged interest on it and fees. Also my payments are auto payments and rather then taking the fund on the agreed date, they wait about to days to get the money out of a Wells Fargo account. When I make additional payment that place it as interest, rather than towards the principal. Their practices are questionable and need to be looked into. If I was a person, that does not monitor this, I would be robbed. They will do right for a moment, than go back and do the same actions and add fees. I send additional payments to go towards the principal, NOT the interest. When, you write the Wells Fargo, CFO, a certified letter, and the letter are resealed ( noticeably ) and returned without a response. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX 

Please investigate their actions in depth.
Product: Checking or savings account

On XX/XX/2020 I received an email from Chime Bank stating they would be closing my account. They never gave me a reason and now everytime I try to call them it says they recognize my number and my account is closed if I have any questions to email them. Ive emailed them several times with no response. I need my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. I filed a Identity Theft XXXX with XXXX, Equifax and XXXX. Their is a Bankruptcy on my XXXX XXXX that should not be there as I have never filed for a Bankruptcy. 

XXXX removed the Bankruptcy however XXXX and Equifax refused to remove it, AND ITS REPORTING " TWICE '' AS A DUPLICATE. 

I contacted the XXXX and they informed me that they do not have a Bankruptcy that matches my ID. 

They also informed me that they do not and did not report to any Credit Bureaus because the XXXX does not report to the Credit Bureaus. 

HOW CAN XXXX REMOVE THE BANKRUPTCY AND XXXX  AND EQUIFAX DO NOT????
Product: Credit reporting, credit repair services, or other personal consumer reports

**** I AM NOT ASKING FOR A REGULAR CREDIT REPORT. **** **** READ THE MESSAGE OR ASK SOMEONE WITH A FUNCTIONAL KNOWLEDGE OF ENGLISH TO ASSIST YOU**** **** I AM NOT ASKING FOR A REGULAR CREDIT REPORT. **** **** I AM NOT ASKING FOR A REGULAR CREDIT REPORT. **** **** I AM NOT ASKING FOR A REGULAR CREDIT REPORT. **** **** I AM NOT ASKING FOR A REGULAR CREDIT REPORT. **** **** READ THE MESSAGE OR ASK SOMEONE WITH A FUNCTIONAL KNOWLEDGE OF ENGLISH TO ASSIST YOUXXXX  On XXXX, I submitted documents for an employment data report from THE WORK NUMBER by Equifax . The reference number is XXXX. I received no reply, confirmation, or report. See attachment XXXX '. After getting no reply, I submitted a new request and set of documents on XXXX. The reference number is XXXX. I received no reply, confirmation, or report. See attachment XXXX '. I submitted a new request once again on XXXX after not getting any feedback and included the above reference numbers as a reply. I did get a response from that said there were no attachments found in my prior submissions. That is clearly wrong as evidenced by the referenced screenshots. I informed THE WORK NUMBER as much in a subsequent reply that, once again, included the requested documentation. The reference number is XXXX. See attachment XXXX '. After submitting the reply on XXXX, I also attempted to call THE WORK NUMBER in order to speak with someone that could confirm that the documents were received. I was unable to find any option in the phone tree for someone in that department specifically. I did speak to someone that I believe was general support for THE WORK NUMBER by Equifax and they were supposedly able to get a message forwarded to a manager regarding this issue, but it appears that has not helped. 

I then opened a complaint with the CFBP on XXXX, which the company responded to by completely ignoring my message and sending a copy of my regular credit report. They clearing lack any sort of reading comprehension skills. I AM NOT ASKING FOR A REGULAR CREDIT REPORT. I AM DEMANDING MY REPORT FROM ___THE WORK NUMBER__ which is owned and operated by Equifax.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I noticed that you verified the account below : XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Past due needs to be updated, repaired or fixed. Because I dont know a lot abou
t credit repair, I had my attorney friend review the letter I sent to your company and the letter you sent back. He told me that according to the FCRA, you have to tell me how you verified the account above. He went on to say that you have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify.

He also stated that once I receive this information, he would like to review it. Please send ASAP. 

Thanks. 

CC : FTC, XXXX, CFPB
Product: Money transfer, virtual currency, or money service

For several years, I have used Western Union ( WU ) to primarily provide regular financial assistance to my relatives in XXXX, and particularly, to my younger brother XXXX. 

In XXXX of this year, XXXX was diagnosed with a medical condition that required an urgent XXXX  XXXX. All payments were to be made directly to the clinic. 
- On XXXX I sent a transfer in the amount of {$1100.00}. The transfer was approved after someone from WU confirmed the transaction with me. 

- After that, I continued sending smaller amounts for XXXX after care needs using various care takers : 1 ) XX/XX/ ( {$200.00} ) 2 ) XXXX ( {$150.00} ) 3 ) XXXX  ( {$100.00} ) 4 ) XX/XX/ XXXX - ( {$100.00} ) Around XX/XX/21, XXXX XXXX got infected and required urgent attention. XXXX was to immediately return to the clinic. Unlike America, patients in XXXX will not receive any urgent care without paying the dues first. On XXXX, I filled a wire transfer in the requested amount of {$300.00} payable to the clinic same as I did on XXXX. This time around, an untrained, rude and insensitive WU representative, told me, after confirming the transaction with me, that it was declined due to fraud suspicion. 

I work in the financial industry as a risk manager, and part of my work includes assessing fraud risk. A suspicious transaction should be rightfully denied, if the account holder knows nothing about it and authorizes the transaction to be cancelled. However, once the transaction in question is validated by the account holder who has been thoroughly authenticated, there shouldnt be any reason to deny the transaction. If a financial institution still has any suspicion, it should fill out a Suspicious Activity Report ( SAR ) and send it to the feds, instead of inconveniencing a customer and causing irreparable damages. Additionally, I own several accounts with several financial institutions and have never been denied a transaction, after its validity has been verified and confirmed with me. 

The manner in which an untrained, incompetent and irresponsible WU representative questioned me, especially that I had already transacted a similar transaction on XX/XX/, and declined the transaction on XXXX, even after I was fully authenticated, validated the authenticity of the transaction and made several attempts to stress the urgency of the wire, caused a delay in treating my brother XXXX who succumbed of his XXXX and XXXX on XXXX 

Western Unions irresponsible, and incompetent handling of fraud risk has caused irreparable damages to my family. My brother XXXX, to whom I sent money via WU for several years, couldnt get his last medical treatment because of WU.
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customers safety.
Product: Checking or savings account

On XX/XX/XXXX Key Bank went and escheated a Money Market account to the state of Pennsylvania. The amount escheated was {$6400.00}. I'm trying to retrieve the money from the state of Pennsylvania, but they have no records of the money. I contacted the bank and they said that a letter was sent on XX/XX/XXXX and XX/XX/XXXX ; however, we never got a copy of the letter. Now, the money is gone and we are not able to retrieve it
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax Information Services LLC. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in auto pay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 


Account Number : XXXX Account Number : XXXX Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishes correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. 

These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX , Company Inquiries : 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
Product: Student loan

My loans are currently being services by Navient. Old loans from XXXX were transferred to navient, in addition to new loans being serviced by them as well. XXXX billed me, with a due date of XXXX/XXXX/16, and I paid them. Soon thereafter Navient sent me a bill. My payment to XXXX was not forwarded or processed. I contacted Navient on XXXX/XXXX/16 and was told it should transfer. Now on XXXX/XXXX/16 I still have no credit and the account reflects a payment due.