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

Dear CFPB, I am writing to formally submit a complaint regarding inaccuracies in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Below are the details of my situation : Account Summary Overview Total Accounts : XXXX Total Accounts : XXXX Open Accounts : XXXX Closed Accounts : XXXX Delinquent Accounts : XXXX Derogatory Accounts : XXXX Collection Accounts : XXXX Total Balances : {$5700.00} Payments : {$220.00} Public Records : XXXX Inquiries ( 2 years ) : XXXX Issues Identified 1. Inaccurate Account Status : Some accounts are reported as delinquent or derogatory, despite my timely payments. This misrepres

entation negatively impacts my credit score. 2. Incorrect Balances : The balances reported do not accurately reflect my actual outstanding debts. I believe that some accounts may be overstated or incorrectly reported.

3. Unauthorized Collection Accounts : There is a collection account listed that I do not recognize. I have not received any communication regarding this account, nor do l believe it is valid.

4. Public Records : There are public records on my report that may be inaccurate or outdated, which should not be affecting my creditworthiness.

5. Excessive Inquiries : I have noted 19 inquiries over the past two years, some of which I did not authorize.

This could indicate unauthorized access to my credit report.

Legal Violations I believe the following laws may have been violated in relation to my credit report : 1. Fair Credit Reporting Act ( FCRA ) : Accuracy Requirement ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies must ensure maximum possible accuracy of the information they report.

Dispute Rights ( 15 U.S.C.

1681i ) : I have the right to dispute inaccuracies on my credit report, and the agencies are required to investigate these disputes.

Notification of Adverse Action ( 15 U.S.C. 1681m ) : If | was denied credit based on my credit report, I should have been informed of the source of the information.

2. Identity Theft Protections ( 15 U.S.C. 1681c-2 ) : If there are accounts fraudulently opened in my name, I have the right to block this information after providing proof of identity theft Consumer Financial Protection Bureau ( CFPB ) Regulations : Creditors and credit reporting agencies must comply with regulations that protect consumers from inaccuracies and unfair practices.

State Consumer Protection Laws : Depending on my state, there may be additional protections that have been violated.

Unfair or Deceptive Acts or Practices ( UDAP ) : If any creditor or reporting agency engaged in deceptive practices regarding my credit information, this could violate both federal and state consumer protection laws.
Product: Checking or savings account

I went to a drive through at my local Wells Fargo on XX/XX/. There wasn't a big line. I was there to deposit a check. I was greeted quickly and put the signed check and deposit slip into the tube. It was on its way quickly. The banker said she'd be with me shortly. A couple cars went through and were helped while I watched. After 5 minutes I asked if this would take much longer? She said not much longer. After 10 minutes I asked if there was a problem. She said the check was a higher amount and that it takes longer. I said I'm just depositing the check and not asking for any cash back. I said what is the problem. ( This will be my first of two complaints ). She said that the account that the check is from was not registering or something and then proceeded to inform me that the persons account has not had any transactions in a year or so. I said are you going to deposit my check and she said she wouldn't. I then asked her for my check back so I can go my other, non wells fargo, bank to deposit it. Which I did without any questions, delays, issues, or problems in two minutes. 
That information she shared with me is none of my business and should not be shared with me. Someone else 's account information is private and not public information. After she said that she wouldn't deposit my check I mentioned she should full out a suspicious activity report and thanked her for wasting 15 minutes of my time.

The complaints are : 1 - Wells Fargo treated me like a suspicious criminal trying to cash a forged check. Not a simple deposit. 
2 - The Wells Fargo banker shared non public information with me about their banking account.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam According to the Fair Credit Reporting Act 15 USC 1681 section 602 it states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is a consumer reporting agency, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 12 CFR 1016.1 Purpose and scope governs the treatment of nonpublic personal information about consumers by the financial intuitions.

Verizon Wireless is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX and the Consumer reporting agency Experian DO NOT have my consent to furnish this information and they surely DO NOT have my written consent. Any and all consent to Experian, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. In doing so I have endured hardship with utilizing my credit and several denials. Including one recent from XXXX XXXX. 
. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not and has not maintained reasonable procedures.

This is in complete violation of the Privacy Act of XXXX  and a direct display of willful noncompliance per 15 U.S. Code 1681n. 

Please see to it that this matter is resolved promptly as I have suffered enough. 

Regards,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX 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 1631 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX and Capital one have violated my rights under 15USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate and unverifiable public record information about me on XXXX XXXXXXXX consumer credit report and file. These unverifiable bankruptcies are listed on my XXXX consumer and file as file/docket # : XXXX and file/docket # XXXX XXXX. According to the FCRA, in order for XXXX to furnish these alleged US BANKRUPTCY COURT public records, they would need to be able to both VALIDATED and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with me through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as Lexis Nexis, XXXX XXXX XXXX XXXX XXXX XXXX. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with LexisNexis that they were not able to validate this alleged bankruptcy in accordance with federal law. 
Having the abovementioned information, XXXX is violating my federally protected consumer rights. In addition to that violation XXXX is also committing fraud since they claim to have verified this bankruptcy but their sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ) and 15 USC 1681C ( A ). I DID NOT give XXXX neither direct nor indirect permission to furnish my information. 
I am hereby demanding this entry be permanently removed from my consumer file within 30 days from the day XXXX RECEIVES this demand. Should XXXX choose to be negligent in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00}
Product: Credit card or prepaid card

After Costco/Citi closed my account, they sent a letter ( attached - XXXX inquiry ) asserting that there was still a balance owed of {$1900.00}. In fact, the balance was already paid in full and there was a credit balance of {$63.00} ( attached - XXXX your weekly balance alert ). 

XXXX knowingly misstated the balance of my account and claimed that the online account was inaccessible. In fact, the account is still there and generating automated notices that contradict XXXX 's letters to the CFPB and me. 

I want XXXX to send me a cashier 's check for the full credit balance on my account within 24 hours, and submit a written apology to both the CFPB and me for their conduct.
Product: Checking or savings account

Completed online application on XX/XX/17 for a checking account at XXXX XXXX XXXX. The nearest branch is over 30 miles away therefor I opted for the online application which I was eligible for since I am a NJ resident. After submitting all the detailed information, I received a message that I must apply in the branch.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of a fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, in my case, from a FTC Report with # XXXX. Please find the ATTACHED documents to assist in the removing of the pieces of erroneous information and fraudulent accounts which were being posted to my reports. Here is the list of items which do not belong to me or were opened without my permission : 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 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 XXXXTRANSUNION 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 Balance : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Product: Student loan

Sofi offered my husband and I a student loan refi the week of XX/XX/19 after all paperwork was completed at an APR that we verbally accepted, but it was not honored due to an employee error. We spent countless hours with them on the phone and they called us over and over again offering a much higher rate as the internal communication within the company is non existent. They wasted hours of our time over the holiday season. Sofi was completely disorganized, inefficient and cost us thousands of dollars due to their mistake. We are current customers and will be closing all accounts with this company as they do not treat consumers fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote them on multiple occasions and requested that the fraudulent items and addresses be removed that aren't mine. this has been going on for 1-2 years. 
wrote all 3 credit bureas. XXXX, XXXX, and experian.
Product: Mortgage

Dear CFPB good day Since XX/XX/XXXX, I'm trying to reach Click n close to check why my escrow statement doesn't match with the property taxes on XXXX XXXX 's web page. Also, the bank shows they sent 2 payments for property taxes on XXXX ( the first one on XX/XX/XXXX and the second one on XX/XX/XXXX ), and XXXX XXXX only received XXXX in XXXX. Now I'm in delinquency ( with interest and everything ) for the taxes of XXXX. 
I open a case with the bank 's customer service. In the beginning, they ask me to wait one week. I called every two days. No news, nobody checks the status of my complaint. I have never been in delinquency and is not good for me I have late payments with XXXX XXXX. 
I tried to reach any supervisor, but the bank never called me back. 

Also, I really want to speak with somebody at the bank. I want to know how much I need to pay now in order not to have a {$500.00} increase in my monthly mortgage payment for escrows. 

Also, why the bank is sending late payments for taxes XXXX on XXXX? Is this a regular situation? 

Thank you one more time- XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I made a transaction for {$370.00} by XXXX XXXX to a business account name XXXX. The bank was debited 2 times this amount from my personal account. 

I made a claim for that situation in some occasion and they can't resolve the issue positive for me. 
Inclusive the manager of the bank made a bank reconciliation and all is good with my account. This money never returned to my account. 
They said that is ath movil company that have the responsibility of this money. 
I call to XXXX XXXXXXXX customer service and they said to me that one of this quantity of money ( {$370.00} ) wad paid and the other was refunded. That's why it responsibility of the bank refunded the money. 
The bank refused to do it. 
I dont know what more I have to do. That's why I made this complaint.
Product: Credit card or prepaid card

Since XX/XX/XXXX. I 've been trying to get a problem with a credit that was n't posted to my account correctly for a promotional offer, to get posted correctly so it would n't show on my statement that I owe money on a deadline that I do n't actually owe. I had it corrected before because XXXX did n't post it correctly. XXXX did and it was a cinch. This time XXXX made exactly the same error but XXXX did n't get it fixed. Instead they sent form letters with generic info in it and that was the end of it. They kept telling me with each call that it would be fixed, apologized too many times, told me they take these matters seriously but still have n't fixed the problem! The amount is above {$500.00} and neither XXXX nor XXXX can get something so simple taken care of. Please see all attached. I 'm tired of calling them spending hours of my Saturday 's on the phone with them to hear the same old same old only to receive a form letter telling me they do n't know what I 'm talking about. It 's become ridiculous and expresses horrific customer service on their part.
Product: Credit reporting or other personal consumer reports

Transunion & XXXX are incorrectly reporting the account listed as XXXX XXXX there are several inconsistencies in the account listed. 

Date Opened : XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/23 a direct deposit of XXXX was sent by my employer to my Earnin Express Account. Earnin did not credit my account and did not return the funds to my employer. Each time I spoke to support and was given the run around to finally get though to a specialist who robotically told me the same thing with time frames that contradicted themselves. I was told on multiple occasions that funds had been returned and even given a ACH item number as proof they returned the funds. My employer is a bank and told me the item number given was the exact number of the sent ACH Direct Deposit and not the item number for the refused/returned ACH. The banking partner of Earnin, XXXX XXXX and XXXX takes no accountability for their trusted partner Earnin. I just want my paycheck from over two weeks ago to be returned to my employer. And I hope their partner bank XXXX XXXX and XXXX will either remediate this from happening again to other people or stop facilitating Earnin.
Product: Checking or savings account

I opened US Bank checking account with Promo Code " XXXX '' for {$200.00} sign up bonus for meeting one ofthe two following requrinments. 
" To receive a {$200.00} bonus open a new U.S. Bank Silver, Gold or Platinum Checking Package, and complete one or more direct deposits totaling at least {$500.00} or complete two or more U.S. Bank Bill Pay transactions of {$25.00} each within 60 days of account opening. " I did two bill payment transactions on XX/XX/XXXX through the bill pay section of the online banking user interface. 

I called the bank on Wednesday XX/XX/XXXX to check the status at XXXXXXXX XXXX  Central time. 
I was transferred to 3 different representatives. The gentleman I spoke to last said that I did not qualify as the bill payments I made were not classified as bill payment. 

I would like to bring to the notice that I did those payments through the bill pay section as they can be seen in my bill pay history in the attached screenshots. 

I have been wrongly denied the bonus and would like to request that the {$200.00} is deposited in my account at the earliest.