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

I opened an account with US Bank back in XXXX. I signed up for an offer that I would receive a bonus if I deposited {$5000.00}. I immediately deposited {$3000.00}. Shortly thereafter, they froze my account without explanation. They later informed me that my account was headed for closure. Towards the end of XXXX, they informed me that my account was closed and I would receive a check in the mail. Nearly a month and a half later, I have NOT received any funds. I have no access to my account nor my money. 

US Bank has not provided any information regarding this and despite closing my account, is still " investigating '' my account, which is why the will not remit my funds to ME. 

They have not been helpful in the slightest and provide no insight into the status of my account. 

They are withholding capital from consumers. This is unethical to say the least. I will begin to look into legal solutions at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter in XX/XX/XXXX to request removal of an account that should have been removed last year in XXXX. I submitted the letter from the creditor proving that this account should be removed from my credit report along with my request. 

It is now XXXX and its still reporting on my credit report This is a violation of my FCRA rights and it needs to be removed. 

Also Ive included a copy of my XXXX Credit Report and XXXX credit report - XXXX NOT ONLY changes information that is AGAIN incorrect but disregards the letter from the creditor and doesn't remove it. Also in another violation because you can not have a payment history on a charged off account. They are reporting this account completely inaccurate.
Product: Checking or savings account

XX/XX/XXXX FNB : First National Bank XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX DBA : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Primary Acct # XXXX RE Formal Complaint for Predatory Fees/ Failure to Close Business Account I sent {$940.00} out of my FNB account on XX/XX/XXXX ; when I sent this all funds were available, and this zeroed out the account. However, the transaction didnt post until XX/XX/XXXX. When I logged in today, the account was at a negative {$80.00} [ not because of my wire ] but because of your {$29.00} predatory fee and then I was charged a {$35.00} overdraft charge with two additional overdraft charges of {$8.00}. Please see the screenshot below. 

The CFPB prohibits predatory fees in banking. Please see attached publication from the White House. Im filing a formal complaint with the CFPB and the XXXX XXXX XXXX. 

I know that your bank will do the right thing and reverse these predatory fees of {$80.00} and correctly close out the account. Keep in mind, XXXX XXXX XXXXXXXX [ a much larger and more profitable bank ] only charges {$16.00} per month for a fee for a business fundamentals account and there are multiple ways to avoid that fee. Additionally, since XXXX, theyve reduced their overdraft fees from {$35.00} to {$10.00} due to recent inspection with regulators. 


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

There are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

I began my process of applying for a mortgage on XX/XX/XXXX with XXXX/Better. I talked to their associate XXXX XXXX through the whole preapproval process and after pulling my credit report, they confirmed that I was preapproved for {$300000.00} and I could make an offer on a house. 

Fast forward to XX/XX/XXXX when my offer to buy a house was accepted at {$290000.00} and confirmed between the seller 's agent and XXXX. Throughout the process of requesting my financial records, I was denied the loan due to my income not being enough. This came as a surprise for me because XXXX and I had talked about what income was before the preapproval even happened. I even had a loan disclosure written up and a sales contract of how much I would pay every month. 

After going back and forth, they could not give me an adequate reason why I was given a preapproval and then rejected later when I was 100 % honest about every figure I gave them. I went to a local lender and she told me straight up that XXXX/Better should never have given me that preapproval letter at all because no matter how she " fudged '' the numbers, I could not be approved for a loan that size.I have attached the contract and the conversation between me and XXXX/Better as well for review. 

I am now in danger of losing a 1 % earnest deposit of {$3000.00} and the appraisal fee of {$550.00} because I will have to back out of the sale. I believe that XXXX/Better did not do their due diligence in this case and owes me for the money that I lose.
Product: Debt collection

I emailed portfolio recovery about a debt they attempted to collect. Below is the email sent XX/XX/2022. They never responded nor provided proof of ownership. 

Good evening, My name is XXXX XXXX ( formerly XXXX ) and I am writing to receive validation about an amount that this company is claiming that I owe. 

I require these few pieces of information provided within 30 days : XXXX. I would like the original contract with my wet signature. 

XXXX. Please provide me with your creditor information ( name, address, phone number, and license number ) XXXX. Please provide with with the full payment history from the original creditor including itemized payments. 

XXXX. Proof of ownership from your agency. Meaning proof that you are authorized to collect any debt from me. 

XXXX. Proof that the statute of limitations has not expired. 


I look forward to your timely response. 

Have a good evening. 


I still have received calls and when I asked for the documents, they said they mailed them to me. The only letter they gave was stating that the ownership was determined valid. They never gave me the proof I asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EXPERIAN ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of U S DEPT OF EDXXXX : Account number : XXXX, U S DEPT OF EDXXXX : Account number : XXXX, and XXXX XXXX : Account number : XXXX. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your agency is in violation!

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

Description X 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 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 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.

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

I called 3 credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that this account will be corrected. XXXX XXXX  XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to address an error on my credit report, which was inaccurately processed by XXXX. The bank failed to send statements due to a very small balance. Upon identifying this issue, I promptly contacted XXXX to rectify the error. They acknowledged the error in their recording software and agreed to update the payment status to " open/never late '' to accurately reflect my payment history. It is imperative that this correction be made on my credit report to ensure the accuracy of my financial standing. I kindly request that you update this information accordingly to reflect the correct payment status. 

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

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I 'm attempting to get my loan pay-off statement to re-finance but mortgage servicer, LoanCare. I 've waited 20 minutes for a human to answer the phone. Their website is clunky and I can not access my payoff statement even through their website. 

I never wanted to do business with them. XXXX Mortgage transferred my mortgage over to this XXXX company
Product: Money transfer, virtual currency, or money service

I am filling a complaint cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection Act ( CFPA ). Specifically, cash app fails 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

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

Your agency is in violation! 
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: Credit reporting or other personal consumer reports

Section 623 ( a ) ( 6 ). If a furnisher learns that is has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must therafter report only complete and accurate information. The following items has been identified as inaccurate and must be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as a consumer in the US my rights has been violated, specific to section 16668, 1681a, 6058, 1691i, my credit report maintained by your agency contains inaccurate accounts that are severely impacting my financial standing and reputation. Remove the accounts listed above or I will be forced to take further action, in addition I am requesting a block of information from my credit report. this is not in error or a misrepresentation on my behalf. Please remove within 4 day
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Day XXXX XXXX XXXX, send money XXXX dollars XXXX XXXX XXXX XXXX XXXX send my sister, mtc XXXX, she never received money, is requesting refund my money. XXXX union He only said that the money was deposited, which is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I would like your assistance with XXXXXXXX XXXX inaccurate reporting. They are reporting different amounts and dates on this account with Equifax, XXXX, and XXXX. They have also failed to the note " account in dispute '' with the comment that " Consumer Disputes This Account after several of my disputes with each credit bureau which are also FCRA violations. I have requested proof and corrections of this account several times, I have talked to their representative who informed me that at certain times they would not report me late because they were just doing me a favor at the same time telling me that they must report accurate information ( This conversation took place on XXXX XXXX at phone # XXXX which lasted one hour 13 minutes which was also recorded by XXXX XXXX ). The representative also informed me this account had become current between XX/XX/XXXX and XX/XX/XXXX, which I immediately disputed. I wrote them a Certified Letter ( XXXX XXXX XXXX XXXX XXXX asking for an investigation of the accuracy of the reporting of this account. Specifically, the Date of First Delinquency and they still updated different information with each credit bureau ( CLEAR VIOLATIONS of the FCRA ). 
I also requested the documentation and my signature that would have allowed XXXXXXXX XXXX to renew or bring this account current after XXXX of XXXX I received a letter with XXXXXXXX XXXX XXXX response dated XXXX! XXXX, XXXX stating how they would report this account to the credit bureaus. I disputed this information again as inaccurate and mailed another certified Letter ( XXXX XXXX XXXX XXXX XXXX ) asking XXXX XXXX for all the information pertaining to this account, including the document that allowed this account to renew or become current anytime during this loan. 
! am now requesting a deletion of this account permanently from all credit reporting agencies after providing proof of XXXX XXXX updating my credit reports with the credit reporting agencies with inaccurate and incomplete information. My latest request to XXXXXXXX XXXX for all information pertaining to this account on XX/XX/XXXX was answered with a letter from XXXXXXXX XXXX dated XX/XX/XXXX asking me for supporting documentation of my request, which is what I was asking them for since they are continuing to update different information to each credit bureau and change information each time I dispute with the credit bureaus. It is my belief that XXXX XXXX should provide me with the information that I requested or delete this account permanently from all credit agencies they are reorting this account to. XXXX XXXX has failed to provide me with a complete account payment history, balance history, interest rate disclosure, pay off disclosure, all signatures pertaining to this account that l have signed, including digital signatures and any signatures that would have allowed this account to renew or become current. 
I am uploading my supporting documentation with this request. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My ex girlfriend opened up credit cards and bank accounts in my name paid them for a whole lived as me and bounced Checks in my name Im ruined and no one will help.