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

Us bank said that I deposited and cashed a check. I did not physically do anything. Again, I am in jail fighting for my rights. They also said they listened to a representative on the phone and they acted accordingly. That is a lie because I did not physically speak to anyone at US bank either. Us bank needs to prove the check belonged to me and made out to me and that I cashed it. They also need to provide me with transcripts of the conversation they claimed they had between me and a representative. Again, us bank is in violation of my rights and needs to remove me from XXXX XXXX. You need to investigate who actually sent the check. Thank you.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report earlier in the year, I noticed a few accounts that didn't belong to me. I've never applied for such things, and I have never given anyone my personal information. Who are these companies reporting? My personal information has been compromised. 

XXXX XXXX Acct # : XXXX, posted on XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX - posted on XX/XX/XXXX Acct # : XXXX, balance {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX XXXX on my Equifax credit report. This account is at zero balance and XXXX promised to delete this from my Equifax report this needs to be deleted today
Product: Credit reporting or other personal consumer reports

The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate. 

o My XXXX loan shows a period of delinquency when I was actually in an XXXX repayment plan. 
o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report.
Product: Debt collection

The debt with ICS XXXX  was disputed a year ago. Was deleted from my credit report. Once again, a year later this is back on my report, as if it is new.
Product: Mortgage

Yesterday, XX/XX/2022 my wife called NewRez Mortgage company to ask about a HELOC for our mortgage. They stated they did not offer a HELOC but other types of loans. At no point did I speak to the gentleman on the phone nor did I authorize my credit to be pulled by this company. Today I am receiving multiple calls from other Mortgage Lenders in reference to my credit being pulled for a loan. I never authorized my credit to be ran. In fact, I never spoke with anyone on the phone at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been hacked and they waited over 2 months to notify the public. I believe my information has been compromised and I want valid compensation for their error.
Product: Mortgage

I, XXXX XXXX, have been trying to Modify my XXXX mortgage Thru Chase for the past XXXX years. They take a long time and we keep providing all the information that they require in a timely manner. I keep being told that its under review and then I am told to resubmit everything all over again because the file is too old again. I keep getting the run around and not the help I need. I have been having financial troubles XXXX and a severe reduction in work and pay. However, I feel that I can save our families home with a Modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following inquiries on my credit report which is a violation of my rights under FCRA XXXX15 USC 1681b ( a ) ( 2 ). I did not give permission for Equifax to report this information nor provide my credit information to any of the following companies. When I contacted Equifax to inform them of this violation I was again denied my right to have this information deleted and was told by representatives that I would have to have the companies mail in a letter to request deletion. The companies listed do not have the right to even access this information without MY CONSENT yet they are being given that right by Equifax WITHOUT MY PERMISSION or a PERMISSIBLE PURPOSE XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

My card has been charged XXXX $ for the past 1 1/2 years. And now all of the sudden it is being charged XXXX fromXX/XX/XXXXand my card has never been linked to XX/XX/XXXX. I dont have my card anymore i tore it up when the charges started. Ive contacted cash app multiple times and they havent been helpful at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. On XX/XX/2020, XXXX reached a settlement of {>= $1,000,000} to provide relief to consumers because they provided loans to consumers who were not qualified. The settlement also states that XXXX will request that the defaulted loan be removed from the consumers credit report. I Have contacted XXXX  and I qualify for this removal from my credit report as I fit the criteria because my account was charged off within a year of receiving it. Please remove the derogatory account immediately as its been affecting my credit for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are non-mailable addresses on my credit report and they do not belong there. They were never my addresses : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Way XXXX XXXX, CA XXXX
Product: Payday loan, title loan, or personal loan

They send warrent and summons threw my email ; they threaten to have me prosicuted in the highest court for bank fraud.I never got a loan my account was hacked 3 years ago i then was told by the bank to get a new account im still getting threats
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # XXXX under the name XXXX XXXX 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions All Accounts in Violation XXXX  XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Product: Checking or savings account

My stimulus checks have come into my account and BOA are holding them because they decided to close the account. They can not legally hold my second stimulus check but they are. And not releasing funds to me. Even though they said they would. I just had XXXX  and explained to them I need this to pay bills I have tried to call numerous times and they are not helping at all. They are still keeping my check. And wont help me! I have proof, an email they sent saying these funds are released time but they arent.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2023-CFPB-000X ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX Opportunity Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this grievance against Equifax as I have exhausted all options with trying to fix my credit profile I have with them. I reached out to Equifax on XX/XX/XXXX to find out why my credit items were not reporting with them. I was advised I had to mail in my IDs so that they can verify my information. I reached out again on XX/XX/XXXX as Id received no communication from Equifax. The representative I spoke with advised she has no receipt of the IDs mailed in and escaled the issue with case # XXXX. Of course this was very upsetting as the information mailed to them is highly sensitive information. Over that weekend I received communication via USPS from Equifax with an incorrect address along with a letter stating I have no credit. I have five open lines of credit reporting to XXXX and XXXX with no issues going back to XXXX. Attached to this complaint you will find the communication. My SS # should not be attached to anyone else and needs to be resolved post haste so that MY profile with XXXX mirrors what XXXX & XXXX are capable of doing. Timing is of the essence as I am working on a mortgage loan. This is my second time submitting this complaint to CFPB due to it being lost in your system and being advised to resubmit it after I had waiting 15 days after the first complaint was submitted.
Product: Checking or savings account

Wells Fargo charged be overdraft fees and closed my account. There is currently a class action lawsuit about this
Product: Checking or savings account

On XX/XX/XXXX, we deposited a large check payable to the IRS in a US Post Office mailbox on Post Office premises. In reconciling our US Bank checking account statement covering XXXX of XXXX, we discovered that the check had been altered, deposited by an individual unknown to us, and charged to our account. We contacted US Bank and they emailed us forms to fill out to report the crime. We delivered the forms by hand to the XXXX XXXX office of US Bank in XXXX, TN on XX/XX/XXXX. XXXX Bank conceded readily that the check was obviously altered but has refused to recredit our account. We have communicated with US Bank many times since XX/XX/XXXX by phone and email. As of XX/XX/XXXX, despite our continuing demands, our account has not been recredited for this stolen and altered instrument.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is an unknown account/balance to me.
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 Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Transunion to verify the disputed item and remove it if unable to prove that the Item is mine. Transunion is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. Also I have filed a police report to my local Police Department to support my claim as an identity theft victim. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXXXXXX XXXX  XXXX Date Opened XX/XX/2018 Balance $ XXXXLate/Closed Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a predatory loan in XX/XX/2018. I walked into XXXX XXXX XXXX looking to purchase a vehicle. The salesman by the name of XXXX assured me he would assist me throughout the process. From the beginning of the process until the end my father and I was forced into an agreement without the proper information. The agreement was not explained in its entirety and everything the salesman told us was completely different from the contract. We expressed the concern to XXXX XXXX XXXX the very next day. They forced us out of the office and aggressively stated the right to rescind was not allowed. We had no knowledge of the federal law at the time. There were a multitude of malicious things that happened during our experience. My father was listed as the primary holder and me as the co-signer. We were never informed that during the process nor did we see that in the contract. The contract that was provided to us and the one received from Capital One was completely different. We were taking advantage of as consumers. Capital one are contracted with a company that is doing bad business. As a consumer entering into a uniformed agreement. Capital one had charged the account off without considering the violations that has taken place by the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor 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, block 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$10.00}, XXXX  XXXX Balance : {$0.00}
Product: Credit reporting

I have disputed the information to Trans Union and have requested the method of verification and Trans Union has never submitted the information regarding how and whom they spoke with to determine how the inaccurate / erroneous information was verified. I understand that they had 15 days to verify stating that I made a last payment XX/XX/XXXX Trans Union has verified this inaccurate / erroneous information and then have ignored my requests for the method of verification as provided under the Fair Credit Reaporting Act.This inaccurate INFORMATION SHOULD BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY..
Product: Checking or savings account

After leaving my job with a company named XXXX, I requested a distribution check from ADP/XXXX to roll over the XXXX that was managed by the company into a personal IRA. 

ADP/XXXX XXXXharged a {$40.00} fee for this check, which is higher than I have experienced with other companies, and seems a tad extortionate just for mailing out a check, given that I never had the choice to use ADPXXXX for my retirement account in the first place. 

Additionally, the Distribution Statement that I received made no mention of the {$40.00} fee, which seems intended to obfuscate. They did notify me verbally of the fee when I requested the distribution, but the omission of the fee from the final statement seems highly questionable. 

If possible I will attach a scan of the distribution statement which omits the fee, as well as a transaction history screenshot of my ADPXXXX account transaction history, which shows the fee, but which I had to intentionally seek out for the purposes of filing this complaint.
Product: Vehicle loan or lease

The vehicle on the loan was traded at XXXX XXXX in XXXX, XXXX in XXXX The loan was paid in full as noted on my credit report too. However, Truist Bank reopened the account with a balance of {$700.00}, which has now increased to {$800.00}. Ive called the bank multiple times since XXXX ( over 2 years ) to get answers and to resolve the account ; however, the bank will not provide information. This is an error on the banks part, but they are failing to take responsibility to get this resolved and removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Transunion for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Transunion has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. & 1681 e ( b ) and conducting a proper reinvestigation to remove the errors within the required XXXX period ( 15 U.S.C. & 1681 ( a ).
Product: Debt collection

Bronstein and Weiss has been calling has been harassing me on an old payday loan, threatened me saying Im being sued for fraud and calling friends and family memebers telling them I have a criminal complaint against me and that I will be served papers, alarming my friends and family. Trying to embarrass and shame me.
Product: Money transfer, virtual currency, or money service

I use an app called XXXX it links up with pnc to transfer cash.. due to changes at your bank I can no longer link ; this is causing major issues. XXXX uses XXXX to link up to pnc. What are my options I need to transfer funds intoy account asap thank you in advance
Product: Student loan

I received student loans in XXXX and XXXX. {$8000.00} that started a Dept. Of education and moved around do many times I ca n't remember. Each time more and more money, penalties, interest added. 
I have been at Navicat since XXXX my loan ballooned to {$20000.00}. Today it 's {$23000.00}. 
I have been unemployed off and on in XXXX to XXXX, XXXX to XXXX, XXXX to XXXX. Unemployed all of XXXX. 
Laid off XXXX XXXX. Just started back in XXXX XXXX. 
Why has n't my loan moved and it grows XXXX a year. That 's more than interest. 
I have paid the {$8000.00} and then some. This madness needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( 2 ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( 8 ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts!

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!