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

To Whom May Concern My name is XXXX XXXX I have written your bureau multiple times & also submitted identity theft reports multiple times & your company just wasnt trying to hear what I had to say regarding incorrect information on my credit report. So I took further action & contacted the deputy commissioner of my state XXXX to verify indeed that these account reporting on my account couldnt had been me due to me being incarcerated for those years the accounts was opened & received I dont know if it was a family member that did or not but those accounts wasnt approved by me & truly wasnt made by me. I have the letter attached to my letter as well and I have police report, identity theft report & lease of my address attached too and I will also attach my information so your company can verify me & also have my identity report attached again with this letter to see which accounts Im speaking on. Im sorry for the inconvenience and Im sorry that I had to go this far to contact the commissioner of my state. Also the address that is on my credit profile is invalid I never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address for alleged debt is not on my report & I have my lease to my apartment attached to this document also have the letter from the deputy commissioner to verify I was incarcerated at the timing of the alleged debt owed to TD BANK USA/TARGETCRED Account Number - XXXX & also the alleged Debt owed To XXXX XXXX Account Number XXXX. I also have the accounts listed below with the balances & how much the alleged debt are so I can get verified. Key facts that prove that the alleged debt is not mines are & was fraud XXXX. I was incarcerated from XXXX commissioner documents to prove it XXXX. Lease to prove that was incorrect for my legit address lease shows the address & the dates of the rental lease. 
XXXX. My address for the alleged debt is not on my profile PLEASE HAVE THESE ACCOUNTS REMOVED IMMEDIATELY THESE ACCOUNTS ARE ALLEGEDLY INCORRECT & NOT MY ACCOUNT THEY ARE FRAUD ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS THAT NEED TO BE REMOVED BELOW. 

XXXX {$96.00} Account # XXXX TD BANK USA/TARGETCRED- {$450.00} Account # XXXX DOCUMENTS ATTACHED WITH THIS PAPER XXXX. COMMISSIONER LETTER TO VERFIY I WAS INCARCERATED XXXX. IDENTITY THEFT DOCUMENTS XXXX. ID XXXX. MY LEASE FOR MY APARTMENT TO VERIFY MY APARTMENT CORRECT ADDRESS XXXX. Police Report
Product: Credit reporting or other personal consumer reports

XXXX XXXX has improperly reported my credit utilization data to credit bureaus without honoring my rights under federal opt-out laws, including Regulation P ( 12 CFR 1016 ). Under these laws, I have the right to opt out of disclosing my nonpublic personal information to nonaffiliated third parties. XXXX XXXX has not provided me with a clear and conspicuous notice or reasonable means to exercise this opt-out right. Despite my attempts to opt-out, they continue to report my credit utilization data. This failure violates federal requirements, including the mandate to comply with opt-out requests as soon as reasonably practicable under 12 CFR 1016.10. This improper handling has negatively impacted my financial privacy and subjected me to potential harm.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

CHASE BANK HAS CRAMMED XXXX INSUFFICIENT CHARGES TO MY CHECKING ACCOUNT. CHASE HAS SCAMMED MANY OTHER PEOPLE. I WROTE A LETTER AND WILL MAIL IT TO YOU THIS WEEK.
Product: Credit reporting or other personal consumer reports

I recently reached out to Experian in XXXX and XXXX of XXXX regarding information and items on my credit profile that were inaccurate, outdated, and even fraudulent in nature. Experian only corrected a portion of it and has continued to report the same inaccurate information. I have reached out to try to correct this a couple of times since my original request. They willfully neglect my requests for correction of the information and now I find myself needing to make this complaint. 

According to XXXX XXXX XXXX XXXX, Experian is required to ensure MAXIMUM POSSIBLE ACCURACY. Because they refuse to comply and remove the information that I requested to have deleted, my credit report violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), and 15 USC 1666b .

I have incorrect names, address, phone numbers, employers, and inquiries which were allowed without a permissible purpose or written authorization from me.
Product: Checking or savings account

Opened no penalty CD a few months ago with Marcus by Goldman Sachs. 
XX/XX/XXXX, asked to close the account and return the funds to the XXXX XXXX XXXX account from which the funds originated. I was told it would take 1-3 business days. 
XX/XX/XXXX, receive email that the account was closed. 
No funds were deposited into my XXXX  XXXX XXXX account. 
XX/XX/XXXX, I called Marcus by GS and they said everything was fine and the funds would be deposited into the XXXX XXXX XXXX account immediately. 
XX/XX/XXXX, Funds were not deposited into XXXX XXXX XXXX account. Called Marcus by GS and they said that the funds were rejected by XXXX XXXX XXXX and now back in the closed account. I called XXXX XXXX XXXX  and they said that no one had attempted to make a deposit on that account and the account was unrestricted. Called Marcus by GS and they said there would now need to be a 7 day hold. Supervisor later said that a 7 day hold was not necessary. Funds would be sent right away. They claimed that it was " security issue '' with my husband. Husband gave the necessary information. 
XX/XX/XXXX, asked for my husband 's security information again. Still no funds in XXXX XXXX XXXX account. Called Marcus by GS and they said that it is in queue. I asked what that meant. They said that the account needs to be manually closed, and that we won't get the funds until sometime in XXXX. 
This is materially interfering with our ability to purchase a residence. 
Similar complaints are here : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and found several late payments from XXXX XXXX XXXX with account # XXXX, TransUnion have the right to report accuracy but failed doing so which is bad business practices, according to the FCRA 15 USC 1681a ( 2 ) ( 1 ), the term " consumer report " does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. So reporting a late payment on a credit report is a volition, I a demanding TransUnion to update my payment history with XXXX XXXX XXXX as pay on time.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX CAPITAL XXXX XXXX XXXX MTG/MIDFIRST XXXX XXXX MORTGAGE SERVICES XXXX GLOBAL LENDING SERVICE XXXX
Product: Checking or savings account

When I realized I used money in my acct that was for a bill I checked the acct on XX/XX/XXXX ( Mon ). The check wasnt posted and my balance was {$2.00}. I rushed to the atm and deposited {$160.00} cash. The receipt shows my cash deposit and the available bal being {$160.00}. 
On XX/XX/XXXX I checked acct and balance was {$2.00} and the checked cleared. On XX/XX/XXXX I checked my acct and balance showed {$160.00} and showed the check cleared on XX/XX/XXXX then returned on XXXX and my cash deposit was posted in XX/XX/XXXX. What? 
In last month they have had problems with notifications being sent 1-2 days after the transactions. XXXX at Regions Bank told me theres a glitch in the system and my check was already in process. That doesnt sound right my cash deposit was posted on XXXX and my check posted on XXXX ( according to them ). Wrong- it was in reverse. I have a receipt showing the truth. Now the check for my water bill bounced and they will never allow me to write a check to them again. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter and file a CFPB to dispute the negative accounts and Hard inquiry. Shortly after Filing, I was denied a car loan and apartment because of your failure to report with my written consent. I was able to sleep on my friends couch, but suffered a financial injury in the process. 
As a direct result of the Failure of reporting without my writing consent, I paid the necessary credit repair work. I enclose a copy of their invoice. 
In addition, as a direct result of the Failure, I was without an apartment and had to sleep on my friend couch till to this day and XXXX to stay shelter. I enclose a copy of an invoice for the XXXX cost of {$500.00}. 
In a recent phone conversation, you claimed that the Failure of reporting without my consent wasn't the result of your negligence and would have happened anyway. You also claimed that, even still I have not written an consent the items on my reports are verified, I should contact the creditors and lied about my debt being sold. 
As to the first issue, XXXX XXXX XXXX Of Trans union is prepared to testify in court that the negative items and hard inquiries reporting on my credit report without my writing consent. 
Second, I had no obligation to file another dispute to further resolve. I had the damage you caused and am prepared to prove this In court. 
As settlement of all claims related to this matter, please send me a check or money order for {$5000.00} on or before XX/XX/XXXX. This amount apartments denial, and fair compensation for my inconvenience and the discomfort brought on by my injuries. If I don't receive payment by that date, I intend to discuss this matter with a personal injury lawyer, and explore all my options for getting fair compensation. 
You may reach me during the day at XXXX in the evenings until XXXX XXXX. 
Sincerely, XXXX XXXX
Product: Checking or savings account

At XXXX on theXX/XX/XXXX I went into the Bank of America Financial Centra  on XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. 

The reason for my visit was to withdraw cash out of the ATM machine inside the Branch. 

My issue is that I tried to withdraw {$200.00} cash out of my checking account, the process went through, however no cash came out of the machine. Because of this, I further withdrew {$100.00} because I still needed cash and I received the {$100.00} full amount. 

I ended up looking at my mobile banking and I realized the {$200.00} was in fact taken out of my account. 

I visited the Branch the next day on theXX/XX/XXXX to inform them of this mistake. They ended up lodging an claim for me. This claim was rejected upon there review. I appealed this and asked for access of the video footage, they said they couldn't share it with me and said they'd get back to me. 

I asked the to see if I withdraw cash out twice, they said they'd get back to me, no response until they told me my appeal is rejected. 

I'm frustrated because a few days after this original issue, I had an automated direct deposit taken out of my checking account and I was charged an overdrawn fee of {$35.00}, but if I had that extra {$200.00} I was stolen from BOA, it would of covered it.
Product: Money transfer, virtual currency, or money service

Unfairly after a month of a dispute asked to pick back the temporary credit in full during a time of hardship over a false transaction I didn't even authorize. The person who put in the dispute was disrespectful and filled out the dispute without me even answering most of the dispute questions. I asked for a rebuttal and a reach out and instead they close the rebuttal and hour not even giving any time to look over any documents or verify anything. If it was that easy to get information from the merchant to resolve this I wouldn't be going through them to dispute so one or both them are lying and being uncooperative. Everyone that I talk to has been rude incompetent, emotionally disconnected going off of a script. I have been lied to hung up on and given false promises over and over again with lack of anyone else taking responsibility on their end. Business just want to get over and I feel that I am being taken advantage because I don't have reputation and I rather not make this a legal issue.
Product: Vehicle loan or lease

I continue to receive harassing calls from Harley Davidson financial. The have called twice today. Continue to threaten repossession. Continue to be little me. Called at XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing my credit report with Experian. ive noticed alot of unauthorized information on my file.
Product: Credit reporting or other personal consumer reports

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification. 

t.
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX I accidentally paid XXXX through XXXX electronic payment to HSBC card services. My account with them was closed years before. The transaction number was XXXX. I have called and spoke with both chase and hsbc and they bothe said there was nothing they could do and the money should bounce back into my account within a few weeks. I have not received my money back and I am so stressed out. Please help! Thank you!
Product: Payday loan, title loan, or personal loan

I got a loan on one main financial they sold me unemployment insurance with XXXX XXXX XXXX When one main financial sellsthis product I ask them what document the insurer asks for if i were unemployed and one main financial employee told me that only the insurer would ask me for proof that I apply For unemployed insurance State of california EDD which was not true, the insurer asks me for documents such as payroll payments from XXXX years ago which is very bad for me that they ask for those documents when I apply for the loan they did not ask me for that and I am still without a job what can I do there
Product: Money transfer, virtual currency, or money service

I have been affected by the issues outlined in the CFPBs lawsuit regarding Zelle. I bank with XXXX XXXX and use Zelle daily for transactions. I have experienced problems with unauthorized or incorrect transfers on Zelle, and when I reported these issues, XXXX XXXX failed to properly investigate or resolve them. I was left without the money I lost which in total is close to {$800.00} and without adequate help from my bank to fix the situation. This has caused me significant financial stress, and I ask that the CFPB take action to address these issues and ensure consumers like me are protected and compensated.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block inc ) do to inadequate customer service, and unfair practices, which violates 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. For the more theyre 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 has caused significant inconvenience. And financial loss and I seek Appropriate redress for these violations.
Product: Debt collection

I recently checked my credit reports and seen multiples account from XXXX XXXX XXXX and other phones and cable providers
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint stating for removal of a XXXX and XXXX bankruptcy that was reporting on my account. I sent a copy of the letter from the bankruptcy court stating that they do not report to credit bureaus and therefore wanted the bankruptcies removed. Equifax responded and updated the credit reports to the two bankruptcies being discharged as a chapter XXXX. They also stated this was verified through a third-party called XXXX XXXX. This is false and Equifax did not verify anything with XXXX XXXX. If it would have been verified, it would not have been updated with inaccurate and even more damaging information. There is no way legally, I could have filed and had two bankruptcies discharged through Chapter XXXX as they indicated.
Product: Credit card

I had a 6+ month fraud case with Discover card. It was finally settled but I had to incur significant expenses providing evidence against the fraud charges. I was told by investigators that my expenses would be compensated was charges were reversed and credited back to account. I didnt request the money from the investigation department because my case and profile was flagged as being only to be handled XXXX XXXX in the executive office. But all I received from her was a message that the request for refund was being reviewed then a letter finally after a few phone calls that the expenses were not being refunded to me because it was my responsibility. Not sure how the burden of proof is my responsibility. I was never given opportunity to provide any information in the case until it was closed. It was never made clear what I needed to provide. They said provide anything I had and they review. It is not a proper way to handle a case. I had to provide information 4 times in order to get the charges reversed. But if from the being was told to provide a police report I would have started with that information. They told me they understood the difficulties in getting the police report based on the location. So, was told to provide everything else as evidence but at the end of the day was not enough until they received police report. My expenses were because discover card doesnt have an automated online portal for uploading information. My only options given were fax or us mail. Well, not knowing I would have difficulty getting information to discover card by fax I used a few different online fax services which had either weekly membership or per page fees. I spent about {$45.00} in fax services but after a month of wasted time and discover card saying they didnt have my faxes or information I decided to use a different method. I then only sent certified mail which I spent {$90.00} sending XXXX packages. Cost of printing and certified mail fees. The last cost was the attorney used to obtain my police report. This cost was {$170.00} since was in a different country ( XXXX ). So the total cost was {$310.00}. I requested {$300.00} to reimburse my expenses. This was denied. Doesnt include my wasted time of 100+ hours. This lack of urgency and lack of technology caused unnecessary expenses. This {$300.00} was more than 10 % of the fraud charges. I want someone besides XXXX XXXX to review my request because she doesnt return my phone calls which is totally unprofessional. I have contacted multiple executives at Discover card without any response or help. Only my file flagged as only refer to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, Trans Union, XXXX you are required by law to produce my credit reports. You've continued over 18 years to deny me that right three to four times a year. Not only have you denied me the right to see my credit reports until just recently when I filed a complaint with the CFPB, Trans Union, You are refusing to fix the inaccuracies that you've allowed to occur on my credit report. You willfully and intentionally deny me my rights over the course of 18 years. So I'm going to put it this way, seeing as that you're playing the ID game again. 

You are a direct violation of 15 USC 1681 EB and 15 USC 1681 S2 and 15 USC 1681 I XXXX... 

I told you Trans Union, I am tired of playing your games. The same goes for you as well XXXX and XXXX I suggest you contact me concerning settling these issues you have my contact information {$35000.00} each is no longer a reasonable and fair settlement. And to think I was trying to be modest with that. The modesties out the window!
Product: Credit card or prepaid card

I was given a Lowe 's credit card without my consent which then hurt my credit. 

My credit report shows that my account with SYNCB/LOWES was opened XX/XX/XXXX without my approval. I had visited XXXX 's probably 10+ times around that time period and was always asked if I wanted a card to which I declined. 

I was made aware of the fraudulent card on my account when I checked my credit report today ( XX/XX/XXXX ) and it showed a XXXX point loss to my XXXX value. This occurred from a decrease in the limit to the XXXX 's card that was taken out in my name. 

To my knowledge I did not receive a card. I have also never made a charge to this account.
Product: Mortgage

Spoke with customer service XXXX told them of my servicing concerns, I have experienced on my mortgage loan with documents to finalize mortgage assistance. 
Sent letter of complaint and concerns to Flagstar Bank President. XXXX by XXXX delivery. Don't want to lose my home to foreclosure. 

See time line attached
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX and XXXX are not giving my Credit Score when request to do so. I applied for Car loan and I received letter of rejection stating my Credit Score wasn't available. I want an investigation into all three Credit Reporting Agencies. I feel I am Being Discriminated against because I am XXXX American.
Product: Payday loan, title loan, or personal loan

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Sezzle company to let them know this is a identity theft account I have no knowledge of this account and they are disputing removing from my credit report