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

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX
Product: Student loan

We paid off a student loan in XX/XX/XXXX and Wells Fargo continues to take {$22000.00} out of our banking account until XX/XX/XXXX. We have been unable to get refunded the {$8200.00} or more in debits they took out of our checking account
Product: Credit reporting or other personal consumer reports

I opened my credit report in XX/XX/year> and found many information that is not mine I send the information with the FTC to the creditors they stated in their investigation that it was accurate I called and they said they will see what their reinvestigation launched this time no response waited and waited and then things gone worse accounts were showing up that they were not mine with creditors instead of the situation getting better it got worst XXXX XXXX XXXX XXXX XXXX also I filed a police report again this time in XXXX and I did send them the may one which for them was not acceptable I AM REQUESTING HELP!!! never get thorugh with them and they never send me anything
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX  XXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Product: Money transfer, virtual currency, or money service

Iam filling a complaint against cash app. : [ BLOCK, INC. ] DO TO INADEQUATE COUSTMER SERVICE AND UNFAIR PRACTICES WHICH VOLOLATE COMSUMER CONSUMER FINANCIAL PROTECTION ACT. SPECIFICALLY, CASH APP FAILED TO TAKE TIMLIY AND AFFECTED MEASURES TO PREVENT AN ADRRESS FRAUD ON THERE PLATFORM, LEAVING MY ACCOUNT VULNERABLE AND UNPROTECTED. FURTHERMORE, THERE DISPUTE RESOLUTION PROCESS WAS UNFSIR AND DECEPTIVE, AS THEY DID NOT COMPLY WITH ERROR RESOLUTION REQUIREMENTS UNDER THE ELECTRONIC FUND ELECTRONIC ACT AND REGULATION E. THESE ACTIONS HAS CAUSED SIGNIFICANT INCONVENIENCE AND FINANCIAL LOSS, AND I SEEK APPROPRIATE REDRESS FOR THESE VOLOLATIONS.
Product: Vehicle loan or lease

Ok I was sent a pre approved offer through the email from capital one with a rate quoted and a pre approved offer number. I did everything they asked let them run a hard pull on my credit cause damage to my scores everything they asked for I did because they told me they would refinance my vehicle and take care of me. They did not. They lied and as far as I can see sent out blanket " pre approval '' letters with NO intention of approving ANY of the people they sent their offers to. They just wanted to solicit offers and then cherry pick the BEST offers from those which they had drummed up. This SHOULD be illegal.
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, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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.
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

Our house experienced flooding from Hurricane Harvey on XXXX/XXXX/XXXX. We obtained our insurance proceeds from the XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$250000.00} based on the estimate of flood damages. The check was made payable to us and the mortgage servicer, Huntington National Bank. We understand that the Mortgagor, XXXX XXXX wants people to repair their homes and not walk away from the flood damaged homes by allowing the homes to go back to the Mortgagor, XXXX XXXX via the foreclosure process. However we did not expect the mortgage servicer, Huntington National Bank to  hold funds and make it difficult to get inspections on the status of the home so that funds can be released to the builder who is putting the home back in its original condition. We have filed several complaints including one open complaint with XXXX XXXX Case # XXXX regarding the issue of Huntington National Bank not setting up inspections timely and allowing the builder to go unpaid. How bad is it? I have spoken to Huntington National Bank on  several occasions including XXXX XXXX in their property damage department to try and schedule timely inspections. Now I have been assigned to one of Hunting National Banks corporate officers, XXXX XXXX ( XXXX XXXX XXXX to specifically address the situation based on complaints filed. I have informed XXXX the house would be complete by XXXX/XXXX/XXXX and we needed to have weekly inspections so we could have the builder paid to avoid the filing of a lien and the work being stopped for lack of payment. Luckily the builder was convinced he would be paid so he has continued working. However the home is complete and we only have approximately XXXX of the XXXX in insurance proceeds that is due to us and the builder for re-construction. This is not how the process is supposed to work. We can not be that far off the inspection process to assume the home is only 50 % complete when in fact it is now finished. I feel like this is gross negligence by the service provider on the handling of the fiduciary funds held in escrow. We are now in the process of hiring an attorney to sue the mortgage service provider, Huntington National Bank for breach of fiduciary duty. This is completely uncalled for and not what the intent of the avoidance of the foreclosure process was intended for. We have suffered undue anguish from having to worry about whether the builder was going to complete the home since he has not be paid for the work timely and how we would come up with additional funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

My background checks says that Im XXXXXXXX XXXX but there are no reportable records or no name match. So how does that make sense. Ive never committed a crime in my life. I want all this to be cleared
Product: Money transfers

For the past 6 months I have used Orlandi Valuta via Western Union at XXXX 's XXXX in XXXX Ca to send money to my father in law XXXX XXXX XXXX every month in XXXX. On XXXX XXXX, 2015 I sent the usual monthly amount to my father in law via Orlandi Valuta. It turns out my father in law was unable to retrieve his money, according to Orlandi Valuta I placed a call that same day to have the recipient name changed to XXXX XXXX and that the money was already retrieved by that person. Orlandi Valuta said they could not help me even though i explained to them I did not change the name of the recipient. My father in law went to the usual pick up location and he was told that no one by the name of XXXX XXXX has received any money.
Product: Debt collection

On XX/XX/year>, I faxed a debt validation letter to IC Systems ( see attached fax confirmation ), but never received a response. It has been 30 days and because there was no response, I am now requesting this account be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted dispute number XXXX and requested the removal of inaccurate Phone Records , Records 1 & 2, from my LexisNexis Consumer Report. 
On XX/XX/XXXX, LexisNexis provided a Report of Investigation ( Consumer Number XXXX, Case Number XXXX ) and determined the disputed Phone Records to be Unverifiable. On XX/XX/XXXX, LexisNexis provided a Report of Investigation ( Consumer Number XXXX, Case Number XXXX ) and determined the disputed Phone Records to be Accurate. On XX/XX/XXXX, in response to LexisNexis XX/XX/XXXX communication, and pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ) ( B ) ( iii ), I submitted a Method of Verification Request ( XXXX ) to LexisNexis. Pursuant to FCRA 611 ( a ) ( 7 ), the 15-day statutory deadline for LexisNexis to respond to my Method of Verification Request was XX/XX/XXXX. LexisNexis refused to respond to my Method of Verification Request dated XX/XX/XXXX, within the 15-day statutory deadline ( XX/XX/XXXX ) as required by the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ). Therefore, I demand that the unverified Phone Records, Record 1 & 2, be promptly deleted from my LexisNexis Consumer Report. Additionally, I am interested to learn how LexisNexis was able to conduct a reasonable investigation and verify the disputed items as accurate with a source that no longer exists. XXXX XXXX XXXX was purchased by XXXX XXXX XXXX on XX/XX/XXXX. Details of the purchase may be found on page 11 of XXXX XXXX XXXX filing with the United States Security and Exchange Commission dated XX/XX/XXXX.
Product: Mortgage

Modification states Deferred Principal of {$31000.00} will be Cancelled Debt in XXXX over a period of time. However Select Portfolio sent a XXXX for the full amount of {$31000.00} for 2015 and thus we reported on taxes and all IRS docs full amount of Cancelled Debt for 2015 from Select Portfolio is {$31000.00}. 
Select Portfolio Monthly Statements still reflect only XXXX has been cancelled. Leaving a balance of {$21000.00}, which is incorrect as IT HAS BEEN CANCELLED as a part of the {$31000.00} as reflected on the 2015 XXXX. Select Portfolio states that is simply how they do it. I said it should NOT be on a statement as owing at all it has been cancelled via the XXXX. They said there 's nothing they can do. How can we owe something that has been cancelled? How can they filed an IRS doc stating it is Cancelled debt and not Cancel it on our account in full?
Product: Checking or savings account

I am a XXXX  and veteran. I live with my parents. I do not pay any bills ; therefore, I seldom check my account. When I did check my account, Bank of America had allowed fraudulent transactions totaling {$6200.00}. These transactions were during the months of XXXX, XXXX and XXXX. 
I put my money into Bank of America thinking it would be SAFE and that they had my best interest at all times. They allowed 5 to 10 transactions per day without ever contacting me. This is poor banking practice. Why didn't Bank of America help me protect my money? These are all fraudulent charges. Bank of America referred me to XXXX since all payments were made to XXXX. XXXX said Bank of America should pay because they allowed the deductions. 
Bank of America NEVER called, emailed or sent any notifications of possible fraud alerts.
Product: Money transfer, virtual currency, or money service

I am earning from online freelancing The amount that the company holds was more or less $ XXXX believe it is a mistake to close my account.I am using my paypal account for my business. 
My paypal account XXXX fruits & Vegetables Trading.My paypal email is XXXX have funds that stuck that i need to withdraw for emergency .I am hoping that i will get back my account and withdraw my funds.My account was limited since XXXX XXXX. 
Thank you and God Bless.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2019 MY HUSBAND CALLED THE POLICE AND MADE A FALSE REPORT SAYING THAT I HIT HIM WITH MY CAR. THE OFFICERS CAME OUT SPOKE TO WITNESSES & DETERMINED HE WAS LYING, THEY TOLD ME TO GO AHEAD & LEAVE. SINCE WE SHARES A AUTO POLICY WITH XXXX HE A CLAIM UNDER MY PIP. HE GAVE THEM A HOSPITAL WORKUP BUT FAILED TO SAY THAT HE HAD XXXX A FEW MONTHS PRIOR. XXXX FAILED TO CONTACT ME ABOUT THE INCIDENT, THEY ISSUED 100 % AT FAULT WHICH HAS AFFECTED MY COMMERCIAL INSURANCE THROUGH XXXX! I ASKED IF IT COULD BE REMOVED BEING THAT THEY DIDNT CONDUCT A INVESTIGATION NOR DID THEY REACH OUT TO THE POLICE. THEY TOLD ME NO I HAD TO JUST DEAL WITH IT BECAUSE THEY PAID IT OUT! AFTER I SUPPLIED THEM WITH DOCUMENTS THEY STILL REFUSED. I THEN REACHED OUT & SUBMITTED 2 DISPUTES WITH LEXIS NEXIS & SUPPLIED THEM WITH THE SAME INFORMATION ONLY FOR THEM TO REACH OUT TO XXXX INSTEAD OF DOING A FULL INVESTIGATION! BOTH AGENCIES HAVE VIOLATED MY RIGHTS TO THE FULLEST.

: 15 U.S.C 1681 S-602A STATES I HAVE A RIGHT TO PRIVACY : 15 U.S.C 1681 S-604A STATES THAT REPORTING AGENCIES CAN'T FURNISH INFO WITHOUT MY WRITTEN CONSENT : 15 U.S.C 1681o CIVIL LIABILITY FOR NEGLIGENT NON COMPLIANCE
Product: Money transfer, virtual currency, or money service

On XXXX I sent {$50.00} to XXXX XXXX in XXXX via SENDWAVE. It happened that XXXX XXXXXXXX XXXX account was closed so, I sent another {$50.00} to his other account that was open. I then, requested a refund from Sendwave and they told me that they are contacting XXXX in XXXX to ask for reversal. XXXX told me that XXXX says the money has been paid. I asked for a proof of payment and it has not been provided. XXXX XXXX has been going to the XXXX office, and each time he goes there, they tell him a different story. So now, all I want is my money back from Sendwave, and they can take their time to deal with XXXX.
Product: Debt collection

In the collection of this alleged debt I have confirmed with XXXX XXXX XXXXXXXX and XXXX that the account reporting to my consumer report is reporting inaccurately. The company has clarified that the collection agency if willfully reporting the balances and dates to deceive me and the credit agencies, who are financial institutions by law. 

Furthermore, I am being told that by XXXX XXXX XXXX that this account has been close with their office and charged off and that the 1099 for the IRS would be provided by IQ. Data International. Since this debt has been charged off it is income and needs to be reported. Otherwise, both companies are doing fraud and being deceptive. I am needing the 1099 filed for this debt and IQ Data international EIN for tax purposes.
Product: Credit reporting or other personal consumer reports

I did not take out this loan. This is fraud.
Product: Checking or savings account

I was the court appointed legal guardian and POA for my husband until his death XX/XX/. Either my brother, our XXXX or the funeral home notified the bank, When I was able to, I contacted the bank to ask the account balance and to close the account. ( checking ) They informed me that there was a negative balance and on XXXX XXXX I transferred {$730.00}. On XXXX XXXX I transferred {$260.00} and on XXXX I transferred {$740.00} to resolve the account and close it. It still has NOT been closed despite my instructions that any future bills for my husband be paid through my account or forwarded to me.
Product: Debt collection

This debt in amount of XXXX. Was paid in full on XXXX. This is XXXX different company XXXX sold bill too and XXXX was PAID.
Product: Checking or savings account

On XX/XX/XXXX while traveling in XXXX de XXXX, XXXX I was robbed at knife point. At the time I had cash, my wallet with my Chase debit card, and my cell phone. All of those things were taken. I called Chase to have my card closed and discovered that XXXX unrecognized charges had been made to the account totaling {$64.00}. The man I spoke to assured me that everything would be ok that the card was closed, and that Chase had credited my account. 

I spent one more day in XXXX but because my nerves were frazzled, I just wanted to get out of the big city and so I sent myself {$380.00} via XXXX XXXX so that I could have some money. I also advised my XXXX host that I had been robbed and she offered a night for free. In the stress of the next few days, I did not make a police report. I simply wanted to get out of XXXX. 

On XX/XX/XXXX I returned to the United States, shortly after on XX/XX/XXXX I received a notice from Chase denying my claim and informing me that they would be taking {$64.00} out of my bank account. When I called, they told me that I needed to send in documentation. I told them that the previous representative had not told me that I needed to have a police report. They said they would not help me. I asked for the information used to come to the decision and received nothing. As such, I faxed them my XXXX XXXX receipt and the communication I had with my XXXX host to show that A. I had informed someone about the robbery and B. That I was forced to XXXX XXXX money to myself. I have still not heard back from Chase. 

Seeing as I had been robbed and violently assaulted on the XXXX of XXXX, it would have been absolutely impossible for me to have used the card on the XXXX. I was given conflicting information by different Chase representatives, however, in the end my claim was baselessly denied. Chase sending me a letter informing me that they were going to debit my account was akin to being robbed again. I would like my claim properly handled.
Product: Checking or savings account

Citibank has refused to pay a {$500.00} dollar bonus. I have met all the requirements. The requirements were that {$15000.00} must be maintained for 60 consecutive calendar days, one qualifying direct deposit into eligible checking account for two consecutive months, and no previous Citibank accounts. It has been over 90 calendar days from the date that I completed all required activities. All my accounts were in good standing. I had well over the {$15000.00} required in the accounts. They also started charging me service fees on one of the linked accounts. The account they charged the service fee on had {$1.00} in it. The service fee put the account into a negative balance which they charged me an overdraft fee for. I am so sick of dealing with Citibank that I have closed all the accounts. They keep opening one of the accounts even though there have been no deposits or withdrawals. I have closed this account several times only to look the next day and see that it is open again. They have been no help on the phone. I have called several times and have their personal bankers on tape saying that my accounts were on track to receive the bonus. A couple days before I was to receive the bonus I got a letter from Citibank stating that the bank had closed one of my  accounts without my knowledge making me ineligible for the bonus. I have a feeling they closed the account so they would not have to pay the bonus. They should have told me I was ineligible for the bonus months ago. I would like all my accounts closed and not reopened. There has been no activity on the accounts and no reason for the bank to keep reopening them. I have a feeling they are going to start charging fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 a balance of {$400.00} from XXXX XXXX appeared on my Transunion credit report. I am challenging Transunion to verify this account per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of the consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.
Product: Credit reporting

I suspect that my identity has been stolen for the second time. I disputed an account being reported XXXX to which I asked XXXX to validate the information reported. I never received validation but Equifax is reporting that it was validated with them but they refused to tell me what information was verified yet the address that XXXX is reporting is not my address. This address XXXX XXXX XXXX XXXX has been previously deleted by Equifax yet they re-reported this address on my credit file as of XXXX/XXXX/2015 ( less than 30 days from removal ). Equifax is also reporting my birthdate incorrectly. I 'm listed as being XXXX years old when I 'm only XXXX. I 've sent in XXXX copies of my valid Florida drivers license yet they refused to correct my information. These invalid reporting is causing me to be refused credit. I 've spoken to XXXX supervisors at Equifax and they all have refused to fix these incorrect reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Over 60 days ago I was added as an authorized user to a XXXX XXXXXXXX credit card. To date, either 1 ) XXXX XXXX has failed to report this status accurately, or 2 ) XXXX, XXXX, and TransUnion have failed to report this status accurately. 

I believe that creditors and the bureaus must report with 100 % accuracy in an expedient matter, and this is clearly not the case.