23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On XXXX XXXX, 2015, I requested, and received, a free credit report from TransUnion on the basis of adverse action ( denial of credit ) that was taken against me. 

Today, on XXXX XXXX, 2015, I received notification of another denial of credit based on a TransUnion credit report, so I requested another free credit report from TransUnion on the basis of this denial. However, TransUnion refused to provide a new report, stating " You have already received your free Personal Credit Report from TransUnion ; therefore, you are not eligible to receive an additional report at this time. '' and attempting to sell me a credit report. 

The Fair Credit Reporting Act requires TransUnion to provide a free credit report upon request if I have had adverse action taken against me based on a credit report provided by them. It does not place any restrictions on the frequency of such requests -- a new adverse action can be the basis for a new request, no matter when the last request was made.
Product: Credit card or prepaid card

Had a citi bank Best Buy card. Always paid on time and have always been in good standing. Looked today at balance and called them only to hear they closed my account on   XXXX   XXXX   XXXX     when card was up for renewal. I have never had an issue, always had low utilization on it only to be treated second hand by this company. It is sad when you are nixed by a company being a good customer. Seems like that is n't what they are seeking.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 
15 U.S Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted.

from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law.
Product: Credit card or prepaid card

I received a notification from XXXX XXXX about opening a new credit card that I know I didnt applied for, the account was opened as of XX/XX/XXXX and received the notification on XX/XX/XXXX. I called the credit card and filed a fraud claim.
Product: Checking or savings account

On XXXX Bank of America closed accounts without notifying me to withdraw funds. The only explanation given was " The company decided not to continue business with you ''. I have no understanding of this and my livelihood is at stake. I have no access to my accounts that I've had for over 5yrs. Being told I have no access to my accounts and they will not be fully closed until XX/XX/XXXX then a cashiers check will be mailed out is absurd. A representative did state she would submit a request to see if I can go into a branch to withdraw funds which takes 5 business days. Even that's no guarantee
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.XXXX  XXXX {$4000.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$260.00} XXXX XXXX  XXXX {$6500.00} XXXX XXXX {$500.00} XXXX   XXXX {$13000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, am writing to formally dispute the inaccurate and unverifiable information on my credit report under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. The following account ( s ) are being reported incorrectly and must be deleted immediately : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXeason for Dispute : Inaccurate, Unauthorized, and Unverifiable Legal Basis for Immediate Removal : 1. 15 U.S.C. 1692c If this account was placed by a debt collector, I invoke my right to cease communication. Any continued reporting violates my consumer rights.

2. 15 U.S.C. 1681i Under the FCRA, the burden of proof is on the furnisher of information. If you can not verify this account within 72 hours, it must be deleted.

3. 15 U.S.C. 1681g I request all records used to verify this debt, including the original signed contract with my wet-ink signature. If such proof can not be provided, this account must be removed.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft, which has resulted in fraudulent activity on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following unauthorized account from my credit report : Fraudulent Account : 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

To whom this may concern, XXXX " XXXX '' XXXX need to be investigated. Sadly I am not the only one. They have failed at customer service and fixing costly mistakes that hurt consumers. I do not expect this company to fix my credit report, but to bring awareness to this bureau. Please I am not the only one. Take a look. 
https : XXXX
Product: Checking or savings account

I opened a truist bank to get paid while i am down south working with my boyfriend. my boss urged me to get a truist so we could do direct transfers for my paycheck. he used XXXX for one of the transactions and apparently it was flagged. i originally live in MI but am working in georgia for work so i am unable to receive mail. which they are saying i need to do to receive my funds. they are refusing to give me any information on what happened. they said i may or may not receive my money within 30-45 days.
Product: Credit reporting or other personal consumer reports

Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete all addresses- Current and only XXXX XXXX XXXX XXXX XXXX XXXX XXXXCurrent and only phone number delete all others. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete all addresses- Current and only XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Current and only phone number delete all others. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete all addresses- Current and only XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXCurrent and only phone number delete all others. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Subject : Formal Complaint Regarding Abrupt Account Closure and Withheld Funds by USBANK Dear Sir/Madam, I am writing as the owner of a 100 % female-owned and minority-owned small business to file a formal complaint against USBANK. On XX/XX/2024, my business account was abruptly closed by USBANK without prior notice or clear explanation. Additionally, I was informed that a remaining balance of {$3500.00} would be issued to me in the form of a cashiers check. However, over a year has passed, and I have yet to receive the promised check, nor have I been given any satisfactory explanation for the withholding of my funds. 

Despite my repeated efforts to resolve this issue, I was informed today, for the very first time, that my funds have been held in a General Ledger account. This information was not communicated to me prior to today, and I have received no documentation or formal letter explaining why my account was closed, as I was originally promised. Furthermore, there have been no fraud charges or incidents associated with my account, and I was never informed of any legitimate reason for the account closure. The lack of transparency and communication from USBANK has caused significant distress, financial hardship, and loss of business. 

Over the course of the past year, I have attempted numerous times to contact USBANK for clarification and assistance. On XX/XX/2024, I was transferred between eight different representatives without any resolution. I was told that I would need to physically visit the branch where I opened the account to retrieve my funds. However, I do not live in the same state and there are no USBANK branches in my area. When attempting to contact the branch by phone, no one answers. 

This ongoing issue has severely impacted my business, causing me to lose a major client due to the inability to access the funds in my account. The lack of communication, accountability, and assistance from USBANK has been extremely frustrating and financially damaging. 

I am requesting the immediate release of my funds in the amount of {$3500.00}, and a written explanation for the closure of my account, as well as the holding of my money in a General Ledger account without my knowledge or consent, plus interest. 

I would greatly appreciate your assistance in investigating this matter and ensuring that USBANK fulfills its obligations to me as a customer. Please let me know if you require any additional information or documentation from me to move forward with this complaint. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.
Product: Money transfer, virtual currency, or money service

USAA partners with XXXX, an instant money transfer service. XXXX is advertised as being the safest way to transfer money because it is linked directly to your bank. However, it is a known danger as it is specifically requested by scam artists due to the speed and lack of protections from XXXX or the bank. 

I was a victim of a scam to buy tickets, and {$400.00} was transferred to a scam artist on XX/XX/2019, via XXXX on my USAA mobile app. It was requested by the scammer, and I was unfamiliar with XXXX but knew it was touted to be safe because it went through USAA. 

As soon as the transfer was completed, the scam artist turned the phone number off so it was no longer in service. I immediately called USAA and was told there are no protections and there is not a way to cancel the transfer. 

I filed a dispute on XX/XX/2019, with USAA and was told quote " XXXX is a personal money transfer service and does not provide purchase protection. The transfer was completed as requested and any dispute must be resolved with the user to whom you sent money to. '' After spending close to six hours on the phone with USAA this week, I was told I signed up with XXXX with fine print that said not to send money to people I did not know. I have decided to leave a bank I've had for years because of the trust I put in the bank to provide safe services via their mobile app. 

I am filing this complaint because I feel consumers need to be made more aware of the ease in which scam artists are using XXXX. There is a false sense of security when you use your bank 's mobile app to enroll and use XXXX, and scammers know this. USAA even said they know it is a problem and have " made their members aware via a FAQ on their website. '' This is not enough. I believe banks that make XXXX available should send a physical letter letting them know the dangers associated with this service, especially since it is known by them to be an issue. 

I am very disappointed in the lack of protections offered by banks when their customers use XXXX because of the false sense of security. If you can not trust your bank to protect you, then who can you trust? Maybe I should ask the scammer when I also ask him for my money back ... 

I do not have any documents to upload because USAA refused to comply with my request for the documents. We've asked for the documentation used to deny my dispute as well as the terms and conditions I agreed to when signing up with XXXX. However, they refused to do so each time, despite the statement in my denial of dispute email that stated : " If you have questions or would like to request copies of the documentation or information we used to make this decision, please call us ... '' Therefore, I have nothing to attach, unfortunately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters and all required documentation via certified mail to have the fraudulent items removed that are appearing on my consumer report. My efforts are being continuously ignored.
Product: Credit card or prepaid card

XX/XX/2017 I paid in full BOTH my capital one cards and was told it would be a one courtesy to remove both from my credit I was lied to I have since disputed this and capital one First .... had dates of late payments and paid times reported ... .. then  changed it all completely with worse dates making me look horrible to creditors .... this shows capital one are lien and are very unprofessional please please help over turn this and FORCE them to remove this please
Product: Student loan

Called Edfinancial on XX/XX/XXXX and asked to be refunded {$10000.00} in payments made during covid based as approved by the Cares Act. I called today XX/XX/XXXX to follow up. And there's been no progress. My balance has not been reinstated and a refund has not been issued. They quoted me that this would take 150 business days or longer and I'm afraid this also effect me when appy for the newly approved forgiveness. Other loan servicers are giving 30-45 day turnovers for the same refund. This company doesn't allow me to check my balance online nor will they provide a written confirmation of my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report after getting a call from a creditor I have never done business with before. After getting my reports from all three bureaus I realized there was multiple accounts and personal info on my report that do no belong to me. I filed a police report and an identity theft report and I also disputed it with all credit bureaus. They have not been removed still.
Product: Credit reporting or other personal consumer reports

I wrote to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, sent via certified mail, about inaccuracies being reported on my credit report. In XXXX of XXXX XXXX has no report of my account, XXXX reports that my account was current, and Experian reports that my account was 30 days late. All conflicting information. XXXX XXXX  XXXX did not respond to my initial letter. I sent another letter via certified mail on XX/XX/year> reiterating my concern. I received a response from XXXX XXXX from XXXX XXXX  XXXX on XX/XX/year> which did not answer my question or solve the problem, stating that I requested a goodwill/credit inquiry delinquent credit removal. 

Clearly, all 3 credit agencies are reporting different information and an investigation would have proven that. They are in violation of several laws, including the following : 15 usc 1681i procedure in case of disputed accuracy 15 U.S. Code 1681e ( b ) Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

XX/XX/year> {$2900.00} I filed an FTC report when I ordered my credit report and found that my personal information had been stolen.
Product: Money transfer, virtual currency, or money service

Hello this is a feature of my XXXX XXXX XXXX debit card that I am supposed to be able to use, but for some reason has never worked for me. I tried XXXX XXXX at XXXX powered by Ria multiple times, a feature of the XXXX XXXX, and it says that they are unable to approve the transaction for some reason. I tried for lesser amounts, XXXX, XXXX, XXXX, etc but all were " unable to be approved '' errors. This also happened today. I still don't understand why it doesn't work. I don't believe that I have reached any of the XXXXXXXX XXXX  described on the XXXXXXXX XXXX and my account has sufficient funds. This is very stressful and distressing to me and am having difficulty even getting to anywhere to try and purchase money orders somewhere, mail them, use a ATM machine and also have to deal with daily ATM limits and fees. I need to complete my important payment as soon as possible and for some reason nothing is working and am still having problems with everything. I have verified my identity with XXXX XXXX XXXX and attempted the XXXX XXXX feature many times in multiple browsers and devices. I attempted to do a bank transfer from my XXXX XXXX  with Ria, and it was declined and my account " locked for security purposes '' while waiting for the bank account verification deposits on my XXXX XXXX and I explained in the email this situation, but have not received any response yet. I have been having difficulties attempting to purchase money orders and getting any help at all from Ria or XXXX XXXX XXXX.
Product: Bank account or service

Citibank sent me a mail promotion for XXXX for opening a Citigold account and satisfying some criteria. The Citigold account had to be funded with {$50000.00} and also has monthly fees - I have satisfied all of their requirements including opening the account, funding it, paying fees, getting a debit card and spending {$1000.00} on it and doing online bill payments for 2 consecutive months. I finished all the requirements 2-3 months ago and last month was told that my points would post in the XXXX billing cycle. When they did not post, I contacted Citibank and they informed me that there was no such promotion for me and that I would not get the miles
Product: Credit card

On XX/XX/XXXX, American Express informed me in writing that I would receive the bonus by XX/XX/XXXX. However, as of XX/XX/XXXX, I still haven't received the bonus. A supervisor named XXXX refused to provide the bonus and told me that it would be provided 8-12 weeks after meeting the spending requirements. But I reached the 12-week threshold on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance with the written instructions of the consumer to whom it relates. I the natural person have been suffering for years by being denied open-ended credit, and car loans for the enjoyment of my family. 
Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states it's illegal to report transaction history. Title 12 Also states anything dealing with a securities is an automatic Federal Court Case.

12 CFR 1016.4 Initial privacy notice to consumers required.

( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.

( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; or
Product: Mortgage

Newrez owes me {$6600.00} due to an escrow refund. Their website clearly shows this on XX/XX/XXXX. I have talked to multiple representatives that state they sent a wire transfer on XX/XX/XXXX. I never received any such transfer. A supervisor named XXXX at Newrez stated they keep the escrow refund because " he's been in the business a long time. '' This will be an entire years of waiting as of this Friday XX/XX/XXXX. I have attached a copy of my payments history with escrow refund clearly shown in red. This from Newrez 's own website.
Product: Credit card

I have charged off debt of {$3200.00} from a Bank of America credit card. The account became delinquent in XXXX of 2009. Bank of America gave me a 1099-C Form to file with my federal tax return. As instructed, I used the charged off debt as income. To date, Bank of America is still reporting to the credit bureaus agencies that I account is active and open. I have called Bank of America several times asking them to close the account and update it as charged off. BOA told me that they ca n't legally collect on the debt because it it is charged off. The agent asked me to settle the {$3200.00} debt amount for {$2000.00}. I explained to BOA that the debt is charged off and settled. More importantly, I already filed it with my tax return as income. Please help me in getting BOA to close this account.