23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
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 reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE REQUEST. I HAVE NO PROBLEM SUING FOR VIOLATION OF MY CONSUMER RIGHTS. MY NEXT STEP IS SUING ALL PARTIES INVOLVED. 

Experian has come back several times reporting that items were investigated and have not provided a Method of Validation, I have asked several times. They have sent stall letters. They have stated I can not dispute online when they are in direct violation of my FCRA rights of 91-566 Title VI, Section 611, Selection A-D.

Laws they are violating : Illegally reporting on Closed accounts over 180 balances on my credit report. 
Illegally not reflecting on accounts that were transferred to a balance of {$0.00} Illegally reporting Closed accounts with balances every month. 
Illegally reporting cards twice on my account every month. 

Are in direct violation. Not following XXXX and XXXX XXXX XXXX. 

My next step is filing a lawsuit against all parties involved. I have all the evidence and no problem taking this to court. As a consumer, I have a right to dispute inaccuracies on my credit report. If this isn't resolved in 15 days, lawsuit is next. 
Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I had a checking account with Regions Bank XXXX for many years. I moved XXXX XXXX XXXX, XXXX. Shortly after my arrival XXXX I closed the Regions Bank account, but not before making sure there was nothing oustanding -- there was a zero ( XXXX ) balance. 

About 6 weeks ago, approx. 1 and 1/2 years after I closed the Regions Bank account, I receive a phonecall from a collection agency saying they are trying to collect a debt I owe to Regions Bank, as a result of closing the Regions Bank checking account. In the 1 and 1/2 years since I moved, and closed that account, I have " never '' received any type of notice from Regions Bank saying that I have a debt with them. I received all of my " forwarded mail '' from every other company I did business with XXXX but never Regions Bank. In fact I am quite sure I gave them my new address upon closing that account, and still, I never recieved anything hinting that I owed them a balance on the closed checking account. 

While speaking with the collection agency rep., I asked her to provide proof that I owe Regions Bank money. I have never received that proof -- nothing. I also asked if this " debt '' was reported to the credit bureau by Regions Bank or the collection agency. I have never received an answer to that question either. 

So, approximately 6 weeks after I recieve the phonecall from the collection agency ( the first communication regarding a debt owed Regions Bank since XXXX ), I receive the first paper bill offering vague details about this alleged debt. I have attached/included a copy of the bill/notice I received by mail XXXX XXXX, XXXX. 

I owe Regions Bank {$0.00}. I was quite careful when closing that account and closed it with a {$0.00} balance.I will not pay this bogus bill -- I will not have this {$22.00} extorted from me. 

Regions Bank needs to notify me that this bill was a mistake, that the collection agency will not harass me again over a bogus bill, and that this does not appear on my credit report. Period.
Product: Credit reporting or other personal consumer reports

I contacted the companys of each inquiry 1 by 1 over the phone asking the company to provide documentation showing i authorized the inquiry or a signed credit application or consent form If they can not provide proof, they must remove. And I didnt not get a clear answer they kept dogging the questions and everything I asked them they did not answer and they could not provide any documentation or evidence linked to the inquiries on my credit report and this might sound crazy a little but when I mentioned code 15 U.S.C. 1666b I got hung up on and and some companies would go quiet then the phone would get disconnected. So I tried to dispute with all 3 credit bureaus and they couldnt help so I was left with no choice but to Contact you hoping you can help me. XXXX bless you XXXX loves you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed multiple inaccurate accounts that I do not recognize that they are reporting to my credit report and they failed to send my investigation results and it has been more than 30 days! They continue to report false information to my credit file and hurting my credit rating!
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
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX. Im providing you with a IRS TRANSCRIPT PROOF That I am the Power of Attorney over my finances and accounts, which serves as and affidavit. I need all accounts zeroed out immediately. They have been taken care of cause I have the XXXX ( XXXX ) thats been approved by the IRS THE DEPARTMENT OF TREASURY! There should be no Corporation ( Dead ) entity reporting on my behalf without my consent! If XXXX, EQUIFAX, XXXX are reporting information on my credit report without my consent they will be sued for defamation of character. I will include : XXXX IRS FORM, My Transcript to prove my POWER OF ATTORNEY ( POA ) on file, XXXX XXXX XXXX, as well my COPYRIGHT ( AFFIDAVIT ) ON PUBLIC RECORDS TO PROVE NO ONE SHOULD USE MY ESTATE NAME WITHOUT MY CONSENT! I want this issue handle in 10 days. Under penalty and perjury they need to rebut affidavit and if not the AFFIDAVIT STANDS AS TRUTH! This will be proof of evidence I will report to the IRS THAT I GAVE EQUIFAX, XXXX, XXXX a fair chance to handle this matter.
Product: Mortgage

I recently refinanced a prior loan with Amerisave. After taking three months for the loan to close, Amerisave and XXXX XXXX XXXX never contacted the prior lender concerning recording a lien satisfaction or some sort of reconveyance. At this time, Amerisave 's lien will still appear to be in a junior position despite the fact the prior loan has been paid off in full. Please note that both the prior lender and I separately have tried to handle the situation directly with both companies without any success. 

For whatever reason, XXXX XXXX and Amerisave have decided not to obtain much less record a lien release or satisfaction despite charging me for title and escrow services ( which obviously cover the recoding of a lien satisfaction ).
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE items XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX  XXXX Balance Owed : {$2400.00} XXXX  XXXX Balance Owed : {$2100.00} XXXX  XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2019 I was charged a NSF fee of {$35.00} for a transaction of {$200.00} made on XX/XX/2019. When that transaction posted along with other transactions from that date the daily ending balance for XX/XX/2019 was {$86.00} XXXX positive balance ). I called Wells Fargo and was advised that when the XXXX transaction for {$200.00} was conducted my account was negative. XXXX transaction are not able to be completed if there is not enough funds in the account. 

In the past I was contacted Wells Fargo that they are not posting the transactions per their own Account Agreement, which states that transactions are posted in the order that their are conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday XX/XX/2023 I awoke to notifications from my credit monitoring service that there were new late payments being shown on my credit report on all three bureaus (XXXX XXXX, Equifax.) from Nelnet servicer.  I quickly checked my account and found that it was in good order on line.  This has caused my credit score to dropXX/XX/XXXXpoints and is making approvals difficult.  

I am not late.  Even though I have been making payments, at the moment, all payments are paused by the Cares Act, specifically addressing how credit reporting will be done:

d) REPORTING TO CONSUMER REPORTING AGENCIES.During 
the period in which the Secretary suspends payments on a loan 
under subsection (a), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting 
agency, any payment that has been suspended is treated as if 
it were a regularly scheduled payment made by a borrower. 

I hope that his is taken care of by Nelnet, but retain my right to litigate if necessary.
Product: Credit reporting

After my discharged bankruptcy a open collection from XXXX XXXX was showing on my credit report that was included in my bankruptcy. I notified both XXXX and Equifax and filed disputes. XXXX quickly removed this from my report. Equifax after the dispute it was still showing as an open account. I filed a second dispute at that point it was removed. I checked my credit report just recently and it is back on my credit as an open collection. I contacted XXXX XXXX they told me they have not added it back to my credit. I am so frustrated, I 've worked very hard to regain my credit. It 's either Equifax or XXXX XXXX, I no longer owe this and want it removed from my credit report for good! I had no problem with XXXX they took care of this right away. I would love to sue whoever is responsible for all the aggravation and they have made my credit drop XXXX from XXXX to XXXX. Please help me get this taken care of once and for all! Thank you!
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint and Request for Legal Assistance To Whom It XXXX Concern, I have been engaged in a prolonged struggle against these creditors for over many years. Throughout this time, I have identified and documented numerous illegal practices associated with criminal organizations operating within this sector. I will be providing detailed notices of these unlawful activities in the coming weeks.

I have consistently requested the issuance of a corrected 1099-C to address the inaccuracies present in my records. It is imperative to recognize that no dispute should ever be categorized as a duplicate. Each dispute is unique and warrants its own distinct resolution. The notion of duplicate disputes undermines the integrity of the complaint process and prevents th
e possibility of a fair resolution.

Furthermore, I am deeply concerned about the apparent complicity of the Consumer Financial Protection Bureau ( CFPB ) in these matters. The lack of adequate support from the CFPB in addressing these issues is unacceptable. I am prepared to pursue legal action against the CFPB for their inaction and failure to assist consumers like myself.

I hereby formally request legal aid and assistance, as I have substantial evidence of wrongdoing. The activities I have documented may constitute violations under the Fair Credit Reporting Act ( FCRA ), specifically regarding improper
handling of disputes and potential racketeering under the RICO Act.

I am exhausted by the continuous evasion tactics employed by these corporations, which not only ignore my requests but also engage in fraudulent tax practices without consequence. It is imperative that the CFPB reevaluates their processes to eliminate the option for categorizing disputes as duplicates, which only serves to enable further evasion.

Thank you for your attention to this pressing matter. I look forward to your prompt response. 

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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was processed before the due date, as shown in the attached bank statement. This error in reporting must be corrected. 
Clerical Error : There may have been a clerical error in how the payment was recorded. The payment confirmation from my records shows that the payment was made on time and should not have been reported as late.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

ON XXXX XXXX, XXXX, I HAD ATTEMPTED TO OPEN A CAPITAL ONE BANK 'S THREE HUNDRED AN SIXTY ( 360 ) DEGREES CHECKING ACCOUNT AND A CAPITAL ONE THREE HUNDRED AND SIXTY ( 360 ) DEGREE MONEY MARKET ACCOUNT AT CAPITAL ONE BANK 'S BRANCH LOCATION AT XXXX XXXX XXXX, XXXX, MARYLAND XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THERFORE, I WAS NOT ABLE TO LOG INTO CAPITAL ONE 'S FRONT DESK COMPUTER IN ORDER TO BE SERVED. NEEDLESS TO SAY, AFTER MORE THAN A HALF OF DOZEN CAPITAL ONE 'S BANK CUSTOMERS WERE WRONGFULLY WAITED ON BEFORE ME, EVEN THOUGH I WAS WAITING TO BE SERVED BEFORE ALL OF THEM, I HAD DECIDED TO TAKE A HAND WRITTEN NOTE TO ONE OF THEIR CAPITAL ONE BANK 'S TELLERS. THIS WAS EXTREMELY DANGEROUS SINCE, MOST BANK ROBBERS GENERALLY TAKE HAND WRITTEN NOTES TO BANK TELLERS IN ORDER TO ROB A BANK!!!!!!!!!!!!!. MY NOTE HAD SIMPLY STATED : " XXXX XXXX XXXX XXXX AND AM LEGALLY XXXX, AND HAD BEEN WAITING OVER AN HOUR TO BE SEEN!!!!!!!!! ". I WAS EVENTUALLY SEEN BY THE BRANCH MANAGER, XXXX XXXX, ET. AL., HOWEVER, XXXX XXXX, ET. AL., HAD ALL INFORMED ME THAT THEY CAN NOT AND WOULD NOT OPEN THE AFOREMENTIONED CAPITAL ONE 'S BANK ACCOUNTS, SINCE THEY WERE SO-CALLED, " ONLINE ONLY ACCOUNTS ''. I HAD THEN IMMEDIATELY INFORMED THEM ON A SCRATCH PIECE OF PAPER, THAT I CAN NOT CURRENTLY ACCESS THE INTERNET DUE TO MY XXXX XXXX XXXX. NEEDLESS TO SAY, I HAD FILE FORMAL WRITTEN COMPLAINTS WITH CAPITAL ONE 'S CEO, XXXX XXXX XXXX, ET. AL., TO ABSOLUTELY NO AVAIL, WITH REGARDS TO XXXX XXXX AND THEIR CAPITAL ONE BANK S ' NOT PROVIDING THE NECESSARY REASONABLE AND/OR MEANINGFUL ACCOMMODATIONS AT ANY AND/OR AT ALL CAPITAL ONE BANK 'S BANK BRANCHES IN ORDER FOR ME AND/OR ALL THOSE WHO WERE/ARE SIMILARLY SITUATED IN ORDER FOR US TO BE ABLE TO OPEN ONE OR MORE OF THE AFOREMENTIONED CAPITAL ONE 'S BANK 'S PRODUCTS WITH THE XXXX XXXX DOLLARS ( {$200.00} ) EACH, SIGNING BONUSES FOR NEW CAPITAL ONE '' S BANK CUSTOMERS, INCLUDING ME, XXXX XXXX XXXX.
Product: Credit card or prepaid card

XXXX XXXX My card was stolen I reported to Bank of America & had card canceled Had conference With manager & was credited the false charges, However approx 2 months later my they debited my account {$470.00} the amount of my social security check all I had in my account, I called the card company & was informed an investigation? had reversed their decision without my knowledge or letting me know. It 's been around 4 months & I thought I had nowhere to turn for help then a friend told me about how cfpb worked to mediate the situation in his favor. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because I applied for the XXXX credit card today XX/XX/20 and I was denied because I guess there are accounts reflecting badly on my credit report. I got a copy of my report and when I was looking through it, I saw a few accounts that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX. I have never opened an account with any of these companies nor did I benefit anything from the accounts opened with those companies in my name without my permission such as money, goods, services or any other benefit nor did I contribute to any payments that were made towards these accounts.
Product: Credit card or prepaid card

Hi applied for credit card line increase on XXXX XXXX. XXXX and few days.. on XXXX the XXXX was denied for credit line increase due to one payment was returned from my bank account XXXX XXXX XXXX XXXX XXXX in the amount of XXXX i called Capitol one and ask them to removed this bank account information around the first week of XXXX and i use another bank information ( XXXX XXXX ) to make the payment again and it went through with no errors and i continue to make my payments in the month of XXXX XXXX and XXXX and finally XXXX XXXX with no payments returned or errors i called capitol one today on XXXX XXXX, XXXX central time around XXXX and i spoke to the supervisor and he told me he does n't have control of the credit line increase and i have to reapply anytime or wait 3-6 months and i asked him can i talk to credit dept or any dept that handles credit he told me that capitol one does n't have a credit dept or a complaint dept and was rude to me and refused to help me i have been making my monthly payments on time with no error and i can hear the supervisor on the background saying negative things about me and forgot to put me on hold i want to filed a possible discrimination against this company and i would like a credit line increased
Product: Checking or savings account

I requested a bill to be paid through bill pay that was to reach the vendor by XX/XX/XXXX in the amount of {$460.00}. The company deducted that money from my account but the vendor never received the check and no one has presented the check to cash. The check is floating in limbo somewhere, no one has cashed it, and yet the bill pay company has taken {$460.00} from my account. How is this legal? How is a bank allowed to take money from my account before a check is even presented for payment? 

In discussing this with the vendor, ( on XX/XX/XXXX ) I discovered that the bill pay company bundles checks to vendors in the same envelope and that the bill pay company often bundles his checks in with another business ( pool company ) that has a P.O. Box close to his. 

I find it outrageous that the bank/bill pay company can take my money without actually getting the check to the vendor. I called Charles Scwhab ( XX/XX/XXXX ) and they were able to confirm with their bill pay company that they do indeed bundle checks and that checks to the wrong vendor could be bundled together. 

But my main complaint is that the bill pay company used to send this vendor a draft check which was cashed when he received it. Out of nowhere and certainly without my approval, the bill pay company started using ACH online payments, and as discussed, deducting the payment when they assumed he would receive the check. That is a lot of float this institution is benefiting from at my expense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2022. Here is my tracking # XXXX to remove personal information that I dont want on my credit report. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, No financial institution is not supposed to share my personal information to third party people. These are clear violation of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a 30 day late for the month of XXXX from XXXX credit Reporting from a company called Affirm. I received a Deferral on XX/XX/2023 from affirm allowing me to skip a payment.I have proof via email. After Affirm approved the Deferral, The company put a 30 day Late on my credit report. XXXX states they investigate it, and outcome remains. Affirm agree that I was not 30 days late and they did approve the Deferral in XXXX. Affirm also states I was 21 days late in XXXX, not 30
Product: Money transfer, virtual currency, or money service

I used Skrill to deposit and send money. My last activity on Skrill was in XXXX XXXX, since then, my account was locked and asked for verification. I've uploaded all the documents according to their instructions including banking statements, etc. However, my account are still locked and i have over {$16000.00} in it. They never complete the review of my account and refuse to give me my money back. Please help get my money thanks. My email at Skrill is XXXX. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX