23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX. Account name- XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX ) # ending XXXX XXXX. Account name- XXXX XXXXXXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX ) # ending XXXX XXXX. Account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # ending XXXX XXXX. Account name- XXXX XXXXXXXX XXXX  # unknown XXXX. Account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX # ending XXXX XXXX. Account name- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) # 1959 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 and 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 1681 s-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 card or prepaid card

I request a Home Depot credit card ( HDCC ) approximately two and a half year ago, but i never received a letter to granted or decline. In XX/XX/XXXX when i purchase my house, I found out about HDCC, after that I call several time to request the CC but I only received a Fraud Dept. Letter from HDCC to confirm my identity, after I call them and give the code they supposed to send my the CC but never received. 
On XX/XX/XXXX I call the Executive response Office from HDCC to verify the status of my complaint and the address was correct. Today XX/XX/XXXX I spoke to XXXX my case manager about my account number to make a payment, on Purchase that I did on store without the CC, and she told me that they received a letter on mail requesting change my address to a XXXX XXXX XXXX, XXXX. 
At that point I told then it was n't me and I fill a compliant with the XXXX Sheriff Department case # XXXX. 
This company was very neglect from the begging on this account they never sent a letter to confirm the account compromise my Credit report and at this point I never received the CC I do n't have Acct Number, Phone # ( XXXX ) ( XXXX ) they can find my acct using my cel #
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to the credit bureaus that information on my credit report was wrong and full of fraud but they have yet to correct this information or update it. Its been well over 30 days.
Product: Vehicle loan or lease

US bank intentionally misleads consumers to collect fees. I have been charged  XXXX  late fees at  XXXX  dollars a fee. That 's over  XXXX  dollars that I only recently discovered. I do not have online access to my account and therefore I make payments via telephone. The automated system give me a balance due but does not mention a late fee. The balance is the same every month so I was not suspicious. My payment is due at the beginning of the month and I always pay within the first 14 days of the due date. I was never informed of the late fee or the lack of a grace period. Furthermore I attempted to extend the due date years ago and was told it was not possible. My auto loan would have been paid off three months ago if not for these excessive deceptive fees . US bank is obligated to inform clients about fees and discuss options. This is not the first time I have been mislead by US bank . When obtaining the autoloan I opened up a checking account with them to receive a discount. The charged a  XXXX  dollar fee after telling me it was free. The fee overdrafted the account. It cost me  XXXX  dollars to close the account. I will dedicated my life to preventing others from doing business with US bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 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 card or prepaid card

I received an email from Wells Fargo XX/XX/XXXX that asked me to activate my new credit card. 
I called and asked why I was getting a new card, when my card would not expire until XX/XX/XXXX. 
I was told my account was upgraded to a " XXXX '' credit card. 
I never received the new card. 
The new card has the same # as my present card. 
The new card could not be cancelled without cancelling my old card. 
I had to cancel my card, order a new one, and now have to change > XXXX auto-payments. 
I never asked for a new card. I never asked for an " upgrade ''. 
I was told by a Wells Fargo rep that I was sent information last year that I could opt out of the upgrade by XX/XX/XXXX. 
IT IS NEVER ACCEPTABLE TO CHANGE THE TERMS OF AN ACCOUNT LIKE THAT. ALL CHANGES NEED TO BE OPT IN. 
I was told by a customer service rep that there have been numerous complaints regarding opt out vs opt in, yet Wells Fargo has not changed their procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 I filed a complaint to XXXX XXXX on some hard inquiries that were not authorized by me nor did I apply for any loan thru XXXX XXXX XXXX. XXXX XXXX XXXX that XXXX XXXXXXXX XXXX was removed from my consumer report dated XX/XX/22. 
I have enclosed the document stating this fact. 

I filed a complaint on Experian to investigate on XX/XX/22 about these hard inquiries only to be sent a report on XX/XX/22 stating that their investigation was complete and they updated the information on my credit file and not deleting them. The Experian report disputing the inquiries was not investigated properly and they also received the document from XXXX XXXX about the removal of the company. 
I have enclosed a copy of the current credit report from Experian showing the update and not removal. 

I am also seeing this company on my XXXX credit report. 

This Credit reports are mixed up with WHO XXXX XXXX and XXXX XXXX XXXX which they are not showing consistent accuracy. 


I am now filing a complaint on XXXX XXXX filing a complaint about these UNAUTHORIZED credit inquiries. As you can see from the documentation I have provided it is clear that my personal information has been frequently used by this company just by looking at all the dates on my Experian report, there are 13 repeatedly for 2 years. THIS IS EXTORTION AND ABUSE TO ME AS A CONSUMER. I want these credit inquiries removed immediately. This is unbecoming of a business and customer service. I would like verification from XXXX showing my signature to validate these credit inquiries, Especially seeing how many were on the Experian report and the fact that XXXX XXXX REMOVED inquiry off my consumer report and Experian continues to show inconsistency with other reports.
Product: Credit card

Capitol One Credit Card Company refuses to honor my letter of credit to discharge the debt! Thus violating Public Law. The last supervisor that I spoke to in regards this matter was XXXX XXXX ID : XXXX in the Executive Resolution Department XXXX Pin : XXXX
Product: Checking or savings account

Summary of Events XX/XX/XXXX : You went to Plains Capital Bank to open a checking account using a {$25000.00} cashier 's check from XXXX XXXXXXXX XXXX, issued to you from your grandfather 's estate via your lawyer. 
XX/XX/XXXX : Your account was supposedly opened, with {$5800.00} available. 
You went to the bank to update your email address for online banking access. 
The branch manager informed you that your identification came back with a fraud alert, and they closed your account. 
You requested your cashier 's check back but were told it would be held until XX/XX/XXXX without a clear reason. 
XX/XX/XXXX : You called the bank, confirmed that the cashier 's check had cleared, and went to the branch to get a new check. 
At the branch, you received a new cashier 's check for {$25000.00} from Plains Capital Bank without being asked for identification. 
You inquired about cashing the check but were informed that it could not be cashed at the branch.
Product: Checking or savings account

I received a text from Bank of America asking to reply yes or no to me making any of three transactions. I replied no and called the bank. Told customer service I did not make any transaction for {$1300.00}. Was told the transaction was declined. But on the following day I checked my account and the money was withdrawn leaving my account overdrawn. The money was eventually given back to me. But when I tried using my card onXX/XX/2019the bank took the money back again leaving my account overdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX, XXXX. and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian, XXXX, XXXX   and XXXX XXXX XXXX, XXXX. with no successful resolution. Experian, XXXX, XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the annexed complaint with exhibits against XXXX XXXX XXXX. On XXXX XXXX, 2017, XXXX previously responded to a compliant filed by the undersigned but the response contained false and misleading statements. The undersigned tried to contact XXXX and has demanded information but XXXX has ignored the issues altogether.
Product: Checking or savings account

Allowing the transactions to go through knowing the funds were unavailable. Just to charge additional fees.
Product: Consumer Loan

Recently checked credit report.Found XXXX late payment from Wells Fargo Dealer Services.Calledfaxed email proof of payment .Showing paid on time.Company still refused to remove late payment. Also asked for them to be removed from credit report. Due to the fact of inaccurate info from " WFDS :. The refused to do so.
Product: Vehicle loan or lease

I am writing to lodge a formal complaint against General Motors Financial in relation to a matter concerning my account # XXXX, initiated approximately between XXXX of XXXX and present day of XXXX. Specifically, I requested a Debt Validation of said account and subsequently received a communication containing a list of transactions associated with the account. Regrettably, despite statutory mandates outlined within the Fair Debt Collection Practices Act ( 15 USC 1601 - 1693 ), I did not receive the complete array of disclosures, service agreements, and signed instruments pertinent to the purported debt, nor was a signed copy of the promissory note provided. 

I have diligently pursued resolution of this matter through direct communication with representatives of XXXX XXXX XXXX, including engagements with the company that the vehicle was purchased from ( XXXX XXXX ). However, notwithstanding these efforts, I have been informed that the promissory note remains unattainable. It is imperative to note that pursuant to pertinent legal statutes, particularly the Bill of Exchange Act and Negotiable Instrument Act, the conversion of the promissory note into a negotiable instrument would signify satisfaction of the alleged obligation. 

Furthermore, a review of my credit report reveals that the purported debt has been charged off. In light of this, I am compelled to inquire as to the absence of any documentation, specifically a copy of the 1099-C form, indicating the discharge of indebtedness filed with the Internal Revenue Service ( IRS ) and the said vehicle was repossessed at the beginning of XXXX year of XXXX without responding to the Debt Validation letter sent around XXXX of XXXX. 

The actions, or lack thereof, undertaken by General Motors Financial have resulted in considerable uncertainty and distress. It is my firm belief that such conduct may contravene provisions established within various consumer protection statutes, warranting regulatory scrutiny and intervention. 

In light of the foregoing, I respectfully request that the Consumer Financial Protection Bureau undertake a thorough investigation into the practices of General Motors Financial with regard to this matter. Additionally, I seek redress commensurate with any identified breaches of consumer protection statutes, as well as clarification and resolution of the outstanding issues surrounding my account.
Product: Vehicle loan or lease

XX/XX/2012 Santander Cosumer USA {$5500.00}. I am disputing this account as fraud. Please investigate this account. Enclosed is an affidavit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements + under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am not happy to see that my credit report contains accounts that are fraudulent.
Product: Debt collection

I have received several calls from XXXX with BRG. She informed me that it was for my XXXX XXXX account. As the call started she was very rude, she then began to harass me and ask " why have n't you made any payments, I mean you have n't paid in MONTHS '' in a very demeaning tone. I then ended the call. She then called my work phone and tried to get a response from me while I was at work. I called back and informed them that they have no business calling my work. She then called a friend who was a reference on the loan but in the voicemail she stated that it was an attempt to collect a debt which they are not legally supposed to disclose. After that she then called my sisters, husbands parents in which I do n't even know so they called my sister and told her that I am being sued and this lady XXXX keeps leaving voicemails stating that it is pre-legal and attempt to collect debt. Once again breaking the law disclosing personal information to people I do n't even know. I then got a call from her supervisor XXXX who wanted to follow up on a phone call that XXXX had with me. He was just as rude and said some people get loans and never intend on paying them. Most people will do good and pay their stuff but some do n't. I informed him of the calls that XXXX had been making and informed him I was waiting on hearing back from a lawyer as I read up on my rights. I informed him that XXXX was very rude, he then replied we are n't in customer service we are debt collectors we are n't here to baby people. So I ended the call and have not heard from them since.
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. 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX XXXX Account # 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 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 the following information items. 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: Mortgage

I am hoping to sell my home and buy a new one. I have a buyer, and we are both clear to close on our loans. However, the buyer of my home can not close on mine until her buyers close ( a long chain ). They are using Movement Mortgage. As of now, it has been over 80 days that the loan has been processing. Last week, we were told that they were clear to close. We then found out that the loan officer at Movement Mortgage was not honest with us, and that they were not clear. Since then, there has been little to no communication with anyone about why the loan is sitting there- not being declined or closing. We were told again that it would close today, but it hasn't happened. At this point, it is affecting my ( and everyone else in the chain ) ability to sell my home and close on my new home. The lack of communication is unacceptable and I have no idea what the next steps are if we can't get an answer one way or another from Movement Mortgage. I would just like a resolution to this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis Consumer Center XXXX XXXX XXXX XXXX, XXXX  XXXX Submitted erroneous information about my credit to my Homeowners Insurance with XXXX XXXX XXXX XXXX increased my insurance by {$760.00} because of erroneous info. I sent a letter to LexisNexis four months ago and never received a reply. This company needs to be shut down. 
NCF Reference # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 1666B : 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 or other personal consumer reports

I have encountered persistent challenges in rectifying unauthorized accounts and inquiries on my credit report, despite diligent efforts to engage with the credit reporting agency. Notably, previous disputes raised pursuant to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681c2, which mandate stringent compliance with accuracy reporting and full file disclosures, have been met with inadequate responses from the agency. Despite my repeated attempts to escalate the matter and engage with supervisory personnel within the fraud and dispute departments, the agency has failed to facilitate such discussions, citing internal policies that seemingly diverge from the explicit mandates of federal law.

Under 15 U.S.C. 1681c2, the agency bears a legal obligation to expeditiously block any information originating from alleged identity theft, upon receipt of requisite documentation, including substantiating proof of identity, an identity theft report, specific identification of disputed information, and a formal statement disassociating said information from any consumer-initiated transactions. Notwithstanding the provision of comprehensive documentation, including my driver 's license, social security card, and an FTC report, the agency has regrettably neglected to fulfill its statutory duty within the prescribed four-business-day timeframe.

My paramount concern stems from the agency 's apparent non-compliance with federal statutes enacted to safeguard consumers against the deleterious effects of erroneous credit reporting. As such, I am compelled to signal my intent to pursue further recourse, including, but not limited to, legal remedies, absent expeditious compliance with the mandates of 15 U.S.C. 1681c2. I therefore implore the agency to promptly rectify the identified inaccuracies in my credit report and take requisite measures to ensure future adherence to federal law.
Product: Checking or savings account

I made a deposit and was told I had to wait 10 days to access my deposit. The reasoning given was that the bank suspects certain checks are fraudulent. The deposited check was from principal life insurance and is one of three identical checks. The other two have been deposited without any issue and no delay was placed on those checks. I requested the bank either release the hold if the funds hand been collected or reverse the deposit and return the check. The bank stated they could not reverse the deposit which indicates they have collected the funds. Basically, they want to collect interest on my money before allowing me to have it. In XXXX, it does not take 10 days to verify checks between large banks. Its done electronically. Simply put, Truist is illegally withholding money that does not belong to them in order to make a profit.