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

Here Are more details of what happened before and after the accounts were closed : On XX/XX/XXXX, I made a domestic wire transfer from XXXX ( checking account ) for XXXX USD to Suntrust Bank. In both accounts I am XXXX of the account holders. 

On XX/XX/XXXX ( approximately ) I was in the United States, on XXXX XXXX, and I withdrew part of my money in cash. After making this withdrawal, a few days later, on XX/XX/XXXX ( approximately ) both Suntrust banks accounts were closed ( approximately with a total of XXXX USD ) .When this happened, I went to the branch to ask about the closure of my accounts and they told me that they will send a check with the remaining funds and that I should receive the check in the next couple of weeks. The check never arrived.After several emails with Suntrust they change what they initially told me and said that in order to release my money they needed the following : " a verification letter from XXXX to confirm the information on the wire is correct and legitimate to release funds. '' When I called XXXX and ask for this letter they explained me that they couldnt provide me with that letter because by process they are not allowed to that.Just to give some additional information, the funds that were transferred to Suntrust are part of a bonus I received on XXXX on XX/XX/XXXX, XXXX rom XXXX XXXX which is part of my salary that they pay me ( company were I work ). 
On XX/XX/XXXX, after not getting a positive outcome for months ( with several emails and calls explaining the situation ) I scheduled a meeting at Suntrust and travelled from XXXX to the XXXX exclusively to try to solve this problem and get my money back.On XX/XX/XXXX, I had a meeting at the branch, they told me that I need to askXXXX to ask for a recall of the original wire transfer. XXXX did this onXXXX XXXX and it was denied by Suntrust. 
Since then i've been trying to find a lawyer to help me with my problem but no lawyer takes the case because they say the amount of money its not worth it. For me, its a lot of money which i've earned with hard work and i want the bank to return it. During this time Suntrust Bank has been acquired by Truist Bank. 

I'm attaching three files. One statemente from my account at XXXX when i received the funds. Other statement from XXXX when i transfered the funds to Suntrust. And the last one with the swift. 

Thanks in advance
Product: Credit card

After paying my entire balance a day before the due date, I received another interest charge of {$20.00}. 

My due date is XX/XX/XXXX. My payment was posted on XX/XX/XXXX. They told me that that was the residual interest from a previous month, which was already paid in full on XX/XX/XXXX. This company is a crook and is taking advantage of its customers. Please help consumers like me fight against big companies that abuse their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXXXXXX XXXX XXXX Account opened in XX/XX/XXXX. I have been current with the loan and even refinanced said loan to a lower APR. Between XXXX / XXXX of XXXX I had an auto payment mailed on my behalf from XXXX XXXX XXXX. However, I was provided with the wrong mailing zip code and payment was returned. I subsequently called XXXXXXXX XXXX  to confirm receipt of my payment and was given the correct mailing zip code. I had XXXX XXXX XXXX resend the payment over. XXXX XXXX XXXX is reporting this payment as a late payment even though the initial payment was sent on time but returned due to a wrong mailing zip code I was provided with when I called to request for a mailing address to send in my payment. This solitary late payment has greatly impacted my FICO credit score ( dropping over 86 points ). I am requesting XXXX XXXX XXXX to correct this error as I have been a loyal customer for over 3 years and have many products ( Bank Account, Credit Card, Auto loan, etc. ) with them. I have never had a late payment on my previous loan prior to refinancing it and I have never had a late payment since this mailing zip code mix up. please rectify this error on my credit report. Please look at the XXXX XXXX XXXX Screenshot. It shows that I originally sent the payment on time but for the error in the mailing zip code. Thank you
Product: Credit reporting or other personal consumer reports

This complaint is regarding Experian. They failed to properly investigate my disputes regarding inaccuracies on my consumer credit report. Despite multiple submissions, XXXX responded within a 24 hour period stating the account was accurate and nothing will be updated, all without providing any evidence they actually did a thorough investigation of my dispute. This illegal practice violates the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which requires a reasonable investigation of disputes. Also, XXXX 's actions also violate the Consumer Financial Protection Act ( CFPA ), 12 USC 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( U.S. District Court for the Central District of California, DOCKET NUMBER XXXX, XX/XX/year> ) against them for similar violations. I request that the CFPB take immediate action to ensure XXXX complies with federal law and provides consumers with the details and necessary proof that a thorough investigation was conducted. 

These are the accounts I marked as inaccurate : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year when the pandemic start I was going through some financial issues job related but I still kept my payments up to date. Months later I received a notice from the credit bureau saying that I was 30 days late on my credit card payment which I found impossible at the time. I tried to contact XXXX XXXX without any success and still this 30-day late notice is a huge negative placement on my record. 

Although the reporting is current and positive at this time, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have never given any credit bureau or consumer reporting agency my written permission to report to them. I sent out letters back in XXXX to XXXX, Transunion, and XXXX requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violated federal law and my rights as a consumer.
Product: Mortgage

XXXX XXXX XXXX / XXXX / {$240000.00} XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting

While checking my personal credit report, I noticed XXXX Employers listed as XXXX, XXXX XXXX and XXXX XXXX XXXX on EQUIFAX credit report. I have never been employed by these companies. I am requesting that EQUIFAX immediately remove these names from my credit file, listed as my previous Employers on my credit report. I have attached a screenshot of the incorrect information listed on my credit report XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute. 

The CFPB alleges that Experian has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that Experian is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. 
Improperly reinserting inaccurate information on consumer reports : Experian has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, Experian improperly reinserts inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report had been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a new furnisher. 
In addition to alleging violations of the FCRAs requirements, the CFPB alleges that Experians faulty dispute intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnishers responses to disputed information, and failure to prevent improper tradeline reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practices.

Enforcement Action Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including the FCRA and the prohibitions on unfair, deceptive, or abusive acts or practices in the CFPA. The CFPBs lawsuit seeks to stop the companys unlawful conduct, to provide redress for harmed consumers, and the imposition of a civil money penalty, which would be paid into the CFPBs victims relief fund.
Product: Bank account or service

I wrote a check to an individual on XXXX/XXXX/17. Check cleared my bank the same day. Individual receiving the check was told by his bank ( Chase ) that the check would be on hold, and subsequently funds not available to him until at least XXXX/XXXX/17.
Product: Credit reporting or other personal consumer reports

All of my federal student loans were canceled by the Department of Education last year. The status of those loans appeared on my credit report as closed with a XXXX balance since that time. This week, I received a credit monitoring alert stating changes had occured to my Trans Union credit report. XXXX XXXX XXXX, a company I have never heard of or done business with and which I've received no correspondence from is now listed on my credit report as the creditor for the loans which were discharged last year. 

I contacted the Dept. of Education to inquire if the cancelled loans were transferred to XXXX XXXX XXXX. I was told they were not and that XXXX XXXX XXXX is not a federal student loan servicer. Furthermore, the agent stated there have been numerous complaints and inquiries just like mine where private loan companies are attempting to take over federal student loans that have been canceled. There is a list of federal student loan servicers published by DOE and XXXX XXXX XXXX is not on the list. 

I filed a dispute with Trans Union as soon as I became aware of the incorrect creditor information on my credit report but the response I received was that the information is correct according to the " XXXX XXXX ''. I attempted to appeal the dispute result but Trans Union representatives have been unhelpful and there is no option I can find online on their website for appealing. 

I contacted XXXX XXXX XXXX today, XX/XX/2024. According to the agent I spoke with, the company only provides loans to facilitate purchases at retail stores and personal loans. It does not offer or service student loans of any type. The agent could not find my name in the company 's system or any information related to any loans in my name with their company. I requested to speak to someone who could help resolve the problem but was told the only way to resolve it is to go to their website and give them all my personal information including social security number and that only then would someone call me to resolve the problem. 

I am requesting help because I have not gotten it from the DOE, Trans Union or XXXX XXXX XXXX. Predatory loan companies are taking advantage in a fraudulent manner of student loan borrowers whose loans were canceled and the DOE as well as credit reporting agencies aren't doing anything about it.
Product: Money transfer, virtual currency, or money service

Someone opened a fraudulent debit card with Cash app in my name in XX/XX/XXXX with the incorrect address. When I contacted Cash App, they told me that they would investigate, but would not follow up with me and would not guarantee that the account in my name would be closed even though I asked it to be closed. Then XX/XX/XXXX I received a XXXX in the mail from Block Inc XXXX Cash App so I immediately contacted them to file yet another fraud claim and they said they could not help me unless I spoke to the police. So I filed a police report, then Block Inc, XXXX cash app said that the police could contact them, but they would not be able to help me
Product: Bank account or service

Chase Bank was hacked. My ATM card number was stolen -- along with many others ' ATM numbers -- and monies withdrawn from my account at an ATM in another state. This happened on Tues, XX/XX/XXXX. As of today, six days after this event, I still do not have my money back in my account. I still do not know when I will have it back. I spoke w/ customer service and up the chain to the so-called " escalation team. '' Apparently, my money and that of the other " hack-ees '' wo n't be returned until Chase 's " system '' does what it needs to do. In other words, I was told that nothing can be done about returning my money until the system determines when I should get my money back. That is what I was told by XXXX of the Escalation Team.
Product: Mortgage

Our USDA loan was in a COVID-19 forbearance for 12 months under the CARES Act. Prior to forbearance ending on XX/XX/22, and on several occasions since then, we have attempted to reach our servicer, LoanCare, to exit forbearance and bring the account current, including by phone, fax, email, and mail ( see enclosed contact log ). We have repeatedly requested to resume our contractual payment and retain the original terms of the loan, deferring the past due balance to the end of the loan. LoanCare has erroneously advised us that USDA loans are not eligible for deferment and that the only option to exit forbearance is a Loan Modification, which would change our interest rate and payment terms. This is incorrect according to USDA, HUD, CFPB, and even literature published by LoanCare. LoanCare has neglected to abide by the guidance of the aforementioned agencies who regulate the implementation of the CARES Act regarding COVID-19 forbearance. The guidelines are clear. Resuming our contractual payment and deferring the past due balance to the end of the loan is one ( of multiple ) options available to us as USDA borrowers. LoanCare has ignored our multiple requests, insisting on Loan Modification only. On XX/XX/22, we received Loan Modification documents from LoanCare in the mail that we did not want or request. LoanCare has failed to provide us with all available repayment options in accordance with the protections provided by the CARES Act, which they are obligated to do.
Product: Debt collection

This debt collector has obtained my private, personal information illegally. I have tried to fix this problem with the XXXX XXXX XXXX but the collection agency stopped responding. I have had numerous individuals under this debt collection agency contact me outside the hours of XXXX and XXXX, they have harassed me, they have berated me, threatened to take illegal action against me if I didn't answer the phone or if I didn't pay. My information was illegally sold to them by another agency. I am being harassed and my life, safety, and well being is being threatened. I have asked them to stop calling on multiple recorded lines and they keep calling and harassing me. I have multiple recorded phone calls of asking them to stop contacting me. My desired outcome is for this account to be void and deleted. This is not legal.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. Additionally, under the Fair Debt Collection Practices Act ( FDC
PA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not reporting open account or accurate balance on the TransUnion credit report. XXXX  and XXXX  is reporting my open mortgage account accurately. Ive contacted XXXX XXXX multiple times with no resolution. Ive also contacted TransUnion who directed me back to XXXX XXXX.
Product: Payday loan, title loan, or personal loan

Mariner finance in  XXXX ,  XXXX  sent me a check for {$1200.00} in  XXXX     2017 even I did not applied for any loan. Any how I used the money. I got sick and admitted to the hospital for two months, and lost my job. My friends told me to consolidate bills as I am not in a situation to pay off my bills.I informed all the institutions about my intention.Every body stopped calling me except Mariner finance, and now they are threatening me to file a law suit against me. I even sent the letter to the branch manager and to the regional manager that I am in contact of debt consolidation but they neglected my letters and shared  my personal information and details of my loan to all of my family members.It hurts me a lit and give me a mental tension.I request to the agency to shut down their office as they are violating the consumer protection act. I have all the witnesses and letters with me I sent them. I also request you to stop them by harassing me through phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 


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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX/Dept Of Ed Account # XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights.

15 U.S.C. 1681 SECTION 602A. States I have the right to privacy 15 U.S.C. 1681 SECTION 604A. SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
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 that I submitted through CFPB dated XX/XX/XXXX. I appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiries from my credit report, as a resolution to this dispute. 

To provide you with the necessary details, I am outlining the relevant information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX