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

AGAIN -!! 
These CROOKS are not even BOTHERING to read my posts here, let alone look at the attachements - CFPB is gutless and useless - I have not posted this to several other Government watchdog sites, that have BITE. 

I have sent in MY DOCUMENTATION - Here is your Lame excuse for a response : " XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Discover Bank XXXX XXXX account ending in XXXX Consumer Financial Protection Bureau Case # : XXXX and XXXX - - After an additional review of all information previously provided and your recent correspondence, our position remains unchanged as no new information has been provided. Please note, that we also indicated to you previously that without the presentation of new information that has yet to be considered, we may not respond to future correspondence regarding this matter. As you did not provide any new information within the email correspondence previously sent to the Executive Offices of Discover Bank, as indicated within our prior response to you, we did not respond regarding this matter. Please note that the documentation you continue to provide is not sufficient for our identity verification process. We need documentation to validate your social security number, such as a copy of the front of your social security card. Also, please provide us with a new copy of the back of your drivers license. '' ARE YOU KIDDING ME... I HAVE SUBMITTED MY XXXX WITH EVERY COMPLAINT HERE ... MY SOCIAL SECURITY CARD IS BEING SENT - WHICH IS WHY I HAVE SENT MY TAX RETURN - THAT IS XXXXL - PLUS THE XXXX XXXX PAGE SHOWS THAT I WAS TO HAVE RECEIVED THAT AMOUNT FROM IRS FOR REFUND - SO THERE IS NO EXCUSE!!! IF AND ONLY IF, I SENT YOU MY CARD - I WILL BE REDACTING ALL BUT THE LAST 4 DIGITS ... I DON'T TRUST YOU. 

AS FOR NOT RESPONDING TO YOUR EMAILS - WHAT IS WRONG WITH YOU? I HAVE/HAD BEEN SENDING NUMEROUS EMAILS - NEVER GOT A RESPONSE!!! WHAT IS YOUR EXCUSE FOR THE COPIES THAT I HAVE ATTACHED HERE??? YOU KNOW YOU ARE GETTING THEM - YOU KNOW YOU HAVE GOTTEN MORE THAN ENOUGH DOCUMENTATION TO RELEASE MY ACCOUNT ... YOU ARE IN THE WRONG AND IT HAS BEEN OVER 7 MONTHS! 

I AM DONE PLAYING GAMES - THIS AND ALL THE OTHER CORRESPONDANCE BETWEEN US HERE AND ALL OTHER MEANS, HAS BEEN FORWARDED, AND YOU WILL BE HELD FULLY LIABLE. 

HOW DARE YOU ... YOU ARE LYING, MISDIRECTING, EMBEZZLING AND CONTINUE TO " MISAPPROPRIATE '' MY FUNDS - NOT YOURS ...!
Product: Checking or savings account

On XX/XX/2022 I called the bank because there were two XXXX  transactions sent from my account to a previous account co signer who was supposed to be removed in XX/XX/2022. I called the bank regarding this error and to my surprise they didn't resolve my issue, stating it was a joint account. The person was supposed to be removed and no longer have access to the account. I have filed several disputes because of this person and was told they would no longer have access. I was not told by the representative at the time that at new account needed to be made in order for this person to no longer have access. The bank no longer wanted to assist me. There were two transactions total in the amount of {$300.00} and {$500.00} to XXXX XXXX. I asked to speak with a higher up regarding this matter because I was not informed and was told to walk into a branch to handle this matter. The error was on the customer service representative that I spoke with at the time. I have attached service dispute letters from previous transactions that was credited to my account due to this person using my information. And even then no one advised a new account.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX XXXX XXXX XXXX was totaled in double hit and run. My son was the only vehicle to stay at the scene. Vehicle was towed by police to XXXX XXXX XXXX. 
XX/XX/XXXX XXXX hired {$12.00} XXXX XXXX XXXX XXXX was paid {$750.00} for tow and 18 days of storage. 
XXXX XXXX vehicles were rented {$390.00}. 
XX/XX/XXXX Denial letter from XXXX XXXX, Claims Generalist for XXXX. 
XX/XX/XXXX Toyota Total Claims Department was notified of totaled vehicle. 
XX/XX/XXXX Toyota was paid {$250.00} on auto loan. 
XX/XX/XXXX XXXX XXXX, CPPA, SPPA private, independent auto insurance adjuster was hired to evaluate and document evidence of Toyota XXXX XXXX totaled condition {$150.00} and send Toyota evidence of totaled vehicle. 
XX/XX/XXXX Toyota XXXX XXXX was towed by XXXX XXXX to a residence {$80.00}. 
XX/XX/XXXX Toyota was paid {$380.00} on auto loan. 
XX/XX/XXXX Police report was obtained {$9.00}. 
XX/XX/XXXX there was a 16 day delay on the part of Toyota to process this claim due to a change in 3rd party vendors. 
XX/XX/XXXX GAP claim initiated. 
XX/XX/XXXX XXXX XXXX at XXXX XXXX sent a notice to XXXX XXXX XXXX management office to stop towing of vehicle after notification was given of the their intention to tow the vehicle. 
XX/XX/XXXX XXXX XXXX requested additional information already offered to them. They asked for a police report which I had in my possession and offered to send a week prior. 
XX/XX/XXXX XXXX XXXX sent a report on the vehicle declaring it totaled to XXXX XXXX of XXXX XXXX. 
XX/XX/XXXX received email from XXXX XXXX at XXXX XXXX regarding towing of the vehicle and how they will handle that situation. There was no follow up to that and the car was towed. 
XX/XX/XXXX XXXX XXXX, Assistant Vice President, Recovery Pro at XXXX XXXX was informed of the formal notice the vehicle was scheduled to be towed XX/XX/XXXX and was.XXXX ID # XXXX from Toyota Financial threatening me if I did not have the care removed from the impound where it currently is they will repossess the vehicle which will result in 17 years of bad credit history for both my son and myself.

First Toyota delayed processing this claim for 16 days. Then asked for documents which they always received in a timely manner. They said they didn't need the police report, then did need it. The car has now been towed three times because Toyota did not process the claim in a timely manner. I was told they would tow the car, then after the car was towed I was told it was my responsibility even though I do not own the automobile out right, nor have a lien or title release. I XXXX told me to just take the car to salvage. We can not, we do not own the vehicle. Toyota has still not cooperated to resolve any aspect of an accident for an insured person and now is threatening me. There was no comprehensive or liability on this vehicle and Toyota had the right and responsibility to make sure the vehicle had proper coverage as the lender. 

Toyota refuses to put anything in writing other than emails claiming security issues, yet they record every conversation. I am grateful this situation has been documented at least through phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX finally sent my credit report. I am a victim of identity theft. This has gone on for years and Experian, XXXX and XXXX maintain the false information. I must continue to provide information for them to update my credit correctly. 
I am in an unending circle of fraud, and it will not go away. Then the female that utilizes a MIchigan identification in my name has vehicles in my name that the State of Michigan will not do anything about because the vehicles are registered properly. 
I have NO vehicles at this time. I have all sorts of inquiries many years old that is reporting on my credit files that I did not approve. And when I issue a dispute with any of the XXXX bureaus, I receive correspondence that the information is correct. 
I need help. I am utilizing this XXXX XXXX report, but XXXX XXXX stated for me to file a claim with you regarding what I have experienced since 2008. 

I also had XXXX XXXX put a freeze on my credit report.
Product: Checking or savings account

Fraud on my account via XXXX, two transactions for {$3500.00} each. The first transfer was on XX/XX/2022 and then again on XX/XX/2022. The bank gave me the money back temporarily, but then removed the funds again after their investigation.
Product: Credit card

On the XXXX of XXXX, 2024 I received a letter from Equifax trying to deceive me by asking me to send them a copy of my personal information like a photocopy of my social and Driver 's License among other documents to " verify '' me in order for them to proceed with the investigation of the issues or inaccurate reports I have told them to fix since they should not be there by law. Also in the letter that I am going to attach here the are again deceiving me by telling me to send different thing to two different addresses. I already have an account with them online. Attached will be the letter they sent me and another letter with my response to them. It seems to me, none of the consumer reporting agencies want to comply with the law by reversing or removing the late payments reported in my consumer report. FCRA 15 usc 1681a 2Ai, 15 usc 1666b.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$5700.00} XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I am writing to formally dispute multiple unauthorized hard inquiries that have appeared on my credit report. I did not authorize these inquiries, and I suspect fraudulent activity. I am requesting an immediate investigation and removal of these inquiries, as they are negatively impacting my credit score. 



The following inquiries were not made by me and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Since I did not apply for credit with these companies, these inquiries are fraudulent and should be removed under the Fair Credit Reporting Act ( FCRA ). I request that the Consumer Financial Protection Bureau take immediate action by investigating these inquiries and assisting in their removal. 



Please find attached copies of my credit report highlighting the disputed inquiries. I request a written response detailing the actions taken to address this matter. 



Thank you for your time and prompt attention to this issue. If you need any further information, please do not hesitate to contact me. 



XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been getting emails saying I might be a victim of idtinty theft and every time I put in a job application they always want me to check my credit or just seems like some one using my social and information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Account is 19 years old, three times mass limit of 6 years. I tried reporting to each credit agencies and no response.
Product: Debt collection

I have received several phone calls from a company called XXXX XXXX over the last few weeks stating they are attempting to collect a debt. When the calls come it is not a real person on the phone it is a prerecorded message it doesn't indicate who the call is for it just is telling me to visit there website or call them back, but they never leave a phone number to call them back at. when they called on XX/XX/2022 the call went to my voicemail so when i listened to my voicemail I had the option to call the number back that called me which was an automated system asking me to enter my SSI # which i did not do as I don't know who this company is. After calling them back and since that time they have been sending me text messages demanding me to go onto there website or call and make a payment through their automated system. There are 3 agents send me text messages XXXX, XXXX and XXXX. After asking multiple times who this debt is from they finally stated that it is from HSBXXXX ( which I have not had an account with HSBC for XXXX years ). I contacted HSBCXXXX and they stated that they have no collection case that they have turned over to XXXX and that they are not a client of XXXX. I was directed by HSBC XXXX department and the fraud department to ask for a Validation of Dept. I have asked for this several times from all 3 XXXX rep and have been told me that they will not provide this to me until I provide them with payment. The phone numbers that are texting me are XXXX, XXXX, XXXX & XXXX. The phone numbers that have been calling me are XXXX, XXXX and numbers that come up as scam or XXXX ( scam Likely ). The Rep XXXX keeps stating that I am stalling by asking for a Validation of Debt and that he is escalating this to the bureaus. He has stating in his messages that once he does this it would effect my credit and abilities to get future loans.
Product: Mortgage

Getting foreclosure docs from wells Fargo bank. Wired money and documents from wells Fargo bank
Product: Credit card or prepaid card

I went to use  my PNC credit ca rd to make a purchase at  XXXX   XXXX  on  XXXX   XXXX  and the card was declined. When I contacted the bank, they said it was because the payment which was a transfer from m y PNC checking account to the PNC credit  card account that was made on  XXXX   XXXX  was being floated and had not applied yet. Since when is a bank allowed to float an internal transfer of funds?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The companies have had more than 60 days and 2 dispute letters were sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my recent dispute regarding unauthorized and inaccurate inquiries on my credit report. 

To provide you with the necessary details, I am outlining the relevant information below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a balance due for credit I supposedly got from some company called- " aargon collection agency , XXXX XXXX XXXX XXXX, XXXX XXXX , nevada , XXXX ''. 

I have NEVER been to a place called XXXX, never gotten an item, loan, anything from this place in my life. This is soooo fake that I am LIVID! I CAN NOT UNDERSTAND HOW THIS IS LEGAL!! 

HOW CAN I SUE THESE PEOPLE?? HOW CAN I PUT A STOP TO THIS?? IF THIS IS POSSIBLE TO REPORT FAKE ACCOUNTS TO REAL CREDIT REPORTING AGENCIES THEN I AM POSITIVE THERE HAS TO BE LOTS OF PEOPLE THAT THIS IS HAPPENING TO! 

I DO NOT KNOW WHAT AN XXXX IS, HAVE NEVER BEEN INSIDE AN XXXX BUSINESS, HAVE NEVER BOUGHT ANYTHING FROM XXXX BUSINESSES, HABE NEVER GOTTEN A LOAN FROM SOMEWHERE LIKE THIS IN MY ENTIRE LIFE!!!!! 

WHAT IS GOING ON THAT THIS IS LEGAL??!!!!!! 
Sincerely, XXXX XXXX XXXX XXXX, XXXX Thank you for ANY help.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681a - Definitions ; rules of construction, a credit report is only supposed to contain ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX, & the crediting agencies have reported both transactions and experiences on my consumer report. Late payments are considered a transaction, due to also being charged late fees. I have asked on several occasions for the XXXX  Account : XXXX and Account : XXXX listed on XXXX, XXXX, & Equifax to reverse the late payments on my consumer report, to no avail. 
XXXX  has charged to my account LATE CHARGES, and XXXX, XXXX, & Equifax have furnished my report with these late payments. By reporting these late payments, they are violating 15 U.S. Code 1681a 2 ( A ) ( i ).

I would like for this account to reverse these late payments on my consumer report to paid as agreed and never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/2023 Hello XXXX, Experian, and XXXX, I disputed XXXX XXXX, XXXX XXXX on XX/XX/2023 and everything came back verified. 

How is that possible when the date opened is incorrect for both accounts, and the account status is also incorrect on both accounts they are supposed to be closed. 

Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. 


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

This is XXXX XXXX, and I appreciate you taking the time to repair and delete some accounts from my credit report ; however, there are still accounts that needed to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are deleted. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Prepaid card

**COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU XXXX CFPB ) * [ Date ] XX/XX/year> Complaint Against U.S. Bank for Unlawfully Freezing Government Benefit Account and Imposing Excessive Unfreezing Requirements Dear CFPB, I am filing a formal complaint against U.S. Bank for freezing my government benefit account without explanation and creating undue barriers to restoring access to my funds. This complaint alleges violations of federal consumer protection laws, including the **Electronic Fund Transfer Act ( EFTA ) **, **Regulation E**, and the **Consumer Financial Protection Act ( CFPA ) **.

-- - # # # **1. Description of the Issue** On [ XX/XX/year> ], U.S. Bank froze my government benefit card, which is used to receive Unemployment benefits. No prior notice or explanation was provided for the freeze. Despite repeated attempts to resolve this issue via phone, U.S. Bank has : - **Failed to disclose the reason** for the freeze. 

- **Imposed excessive and unattainable ( immediate ) steps** to unfreeze the account, such as, " requiring in-person verification at a distant branch, '' " demanding unreasonable documentation, '' ( I recently became homeless, without access to any of the required documents. To replace the documents would cost money which, now, XXXX cant access either because of this unlawful freeze. - Also XXXX Bank failed to provide accessible alternatives ''. 
- **Caused severe financial hardship**, depriving me of critical funds needed for housing, medical care, food, and much more.

-- - # # # **2. Violations of Federal Consumer Protections** U.S. Banks actions violate the following laws : **a. Electronic Fund Transfer Act ( EFTA ) & Regulation E** - ** 1005.8 ( c ) : ** Requires institutions to notify consumers of account changes, including restrictions, **prior to implementation** or promptly after. No such notice was provided.

- ** 1005.11 : ** Mandates prompt investigation and resolution of reported errors ( including unauthorized holds ). U.S. Bank has not acknowledged or resolved my dispute.

- ** 1005.7 : ** Obligates institutions to provide clear procedures for error reporting. The steps imposed to unfreeze my account are unreasonably burdensome.

**b. Consumer Financial Protection Act ( CFPA ) & UDAAP** - U.S. Banks conduct constitutes **Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) **. Freezing an account without justification and imposing inaccessible resolution steps unfairly harms consumers and obstructs access to legally entitled funds.

**c. Right to Access Government Benefits** Federal protections ensure uninterrupted access to government benefits. By freezing the account without cause, U.S. Bank has unlawfully interfered with my ability to meet basic needs.
Product: Debt collection

Rent recovery collection agency through skip tracing placed a XXXX collection account on my XXXX credit report XX/XX/2022. There is no personal documentation tying me to the debt, but my name. When I called to address the collection account, I was told the social security number didn't match, my cell phone number didn't match and there were other things as well. I advised the representative that I was a victim of identity theft and if no personal items didn't match upfront why would the account be placed on my report without verification. The rep didn't have an answer and just advised me to send in a FTC report as well as my driver 's license. I advised the company that being a victim of identity theft has already caused me problems. I'm in the middle of buying a home. Adding an account that was opened with a CPN and the collection agency didn't verify the validity of the debt, but only added it because they did a skip trace matching my name is stupid beyond belief. Why wasn't the collection added to the credit report using the CPN that was used to obtain the fraudulent account to obtain an apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Ally financial in regards to a hard inquiry that was placed on my account XX/XX/XXXX, where I was never aware of this unauthorized and did not give this company no consent to run my consumer credit and I did not do this..I spoke with a representative on the phone qhere they opened a dispute and gave me a confirmation # XXXX .I truly feel like this is a violation of my privacy right ..the company ally financial inc responded with a letter stating '' they basically are unable to locate information about me '' ..