23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX, XXXX are all knowingly report accounts on my consumer credit report without full compliance of the FCRA. 

Multiple accounts reports as verified but still reports accounts is inconsistent with all of the major XXXX credit reporting agencies. Incomplete name and address currently being reported. 
Unverified and inaccurate balance and past due amount. 

XXXX accounts that has not been verified through methods of authentication as required by federal law. 

Old accounts and or reinstated accounts which has not been notified XXXX business days prior as required by federal law Misleading information being reported to damage consumer Credit. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX misleading account name and address on all three major credit reporting agencies including TransUnion XXXX and experience violation, inaccuracy, incomplete reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 creditors name and address. Violation of federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$330.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$17.00} ; XXXX XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Bank account or service

An individual with a depository account at US Bank issued me a check from that account as payment. When attempting to cash the check at a US Bank branch, US Bank informed me that if I signed up for a checking account, then they would cash the check for free ; otherwise there would be a {$7.00} transaction fee. 

I take serious exception to the philosophical idea that a bank would charge a fee to cash their own check. They issue the check to their deposit customer as a service of that individual maintaining deposits within their institution. Then when that customer writes a check for payment the bank is charging a transaction fee for it 's use..? If the check is not accepted as a form of payment without additional fees, then why have a depository account? And why accept checks as payment? 

By the way, if I deposit the check in my bank and it does not clear, my bank charges me a fee. So depositing into my bank is not an option. 

If a bank is to be given the authority to administer checks on behalf of their depositors as form of payment, then they should be required by law to honor that payment. Coercing payees into opening an account or suffer paying a fee is not a useful means of monetary transaction. Ultimately, no one will be able to accept a personal check because even if the money is there, the bank wo n't honor it ...
Product: Credit card or prepaid card

I made payment on an account that is now closed. I'm requesting all payments made under my SSN. Reason is attached as well. 

Im requesting a full refund. The obligation again has already been paid by the United States. Please send check to address on this letter.

Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.

15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction thro

ugh ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.

Im requesting a full refund. The obligation again has already been paid by the United States. Please send check to address on this letter. 


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

THERE IS AN INCORRECT ADDRESS ON MY ACCOUNT THAT IS TIED TO A FRADULENT ACCOUNT AND I HAVE DISPUTED THIS INFORMATION AND I EXPERIAN STILL ALLOWS THIS INFORMATION TO BE REPORTED UNDER MY NAME.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I trusted XXXX XXXX to handle my personal information with care and integrity, but I feel that trust has been violated. XXXX XXXX  claims that an investigation into my disputed information was conducted, yet I was never provided any details about how this investigation was carried out, who was involved, or what methods were used to verify the accuracy of the information. This lack of transparency not only raises serious concerns about the legitimacy of their process but also leaves me questioning whether they adhered to the legal standards required by law. Furthermore, I was never asked for or provided explicit consent for my personal data to be shared with third parties like XXXX. Sharing my private information without my clear and informed consent is a violation of my rights, and its both troubling and unacceptable. I deserve an explanation, evidence of proper consent, and assurance that my personal information is being handled lawfully and responsibly.
Product: Credit card or prepaid card

I made four balance transfers over a two year period between my Capital One credit card account and my XXXX credit card account, and Capital One is denying these transfers happened, despite confirmation from XXXX. This has left me in the unfortunate position of effectively having been charged by both companies. The transfers were as follows : XX/XX/XXXX - {$1400.00} ; XX/XX/XXXX - {$1100.00} ; XX/XX/XXXX - {$1000.00} ; XX/XX/XXXX - {$2000.00}. Capital One has been pursuing me claiming I am indebted to them, and denying the balance transfers completely.
Product: Vehicle loan or lease

In the process of completing a vehicle sale and title release, Wells Fargo Dealer Services ( XXXX ) Customer Service Representative ( XXXX ) confirmed that our loan was for a XXXX XXXX XXXX and provided us the payoff amount. This incorrect information caused an error that required XXXX to reverse the loan payoff and in the process of correcting their mistake sent all of our loan documentation, to include the original vehicle title to a third party that did not have authorization. This third party is unknown to us, other than his name on the letter we received from XXXX stating their error. 

The correction process was supposed to take XXXX weeks and months later after the loan documentation was signed and the check deposited, we were informed by mail of their error. We contacted XXXX and asked for id theft to protect us, they denied that request and hung up on us. 
We were informed by XXXX they had falsely reported us to the credit bureaus as being late and corrected that error upon on request. 

We filed formal complaints with the XXXX XXXX of the President ( WFDSOP ) and have had additional errors made to our file to include a XXXX XXXX adding false defamatory information to our account. We continue to receive documentation to our address that has incorrect information on it, as well as receiving another account holder 's loan documentation and signature, vehicle information, etc. 

This process is now over a year that we have tried to have a resolution only to be denied. We filed complaints with the Federal Reserve, FDIC, XXXX and the CFPB who asked us to contact our state XXXX since the complaint centers around our personal private information and original documents being given away. 

We have tried for over a year, reaching out to every known department within the umbrella of the XXXX XXXX, not just XXXX, to ensure that all devices are used to ensure our safety and rights are upheld, to include the compromised data department, veterans services, privacy act, ethics department, global integrity, all with epic failure on XXXX part. After more than a year, we are no further along in resolving the breach of our information than when we first contacted WFDS. 

XXXX response to the CFPB complaints state they have sent the letters to the correct address, yes, our address is correct, however, they did not respond to the contents of that letter stating they sent the information to XXXX XXXX XXXX XXXX, which was the basis of the complaint. The second response to the CFPB from XXXX did not include the fact he added false defamatory information to our account. His letter was a copy of the first letter the CFPB received from XXXX XXXX. 

We have also contacted our Wisconsin Department of Justice, Attorney General 's office as well as the Arizona Department of Justice, Attorney General 's office and filed complaints with them..
Product: Mortgage

1. Bank of America sent {$2200.00}. to my Insurance company on my behalf. My insurance had already been paid for the year and they sent the {$2200.00}. back to Bank of America and Bank because I was already paid. Bank of America did notify me that my insurance money had been returned to them. They did ask me for proof of insurance and I provided them with the insurance information. I paid {$1400.00} in full to my insurance company on my behalf. Bank of America issued me a refund in the amount of {$50.00} which hasn't been verified as to why this amount was refunded instead of the amount my insurance company returned to them on my behalf. 2. I'm also paying MIP and should not because I had a previous mortgage with Bank of America that was satisfied and paid in full. Also, my tax office sent me a letter sent me a letter that stated that my taxes were about {$800.00} short. Obviously BOA is sending out payments which exceed the amount I owe and are overcharging me for escrow and not returning my money back to me. 

I've written to Bank America twice because my year wait has elapsed and asked that I be able to pay my own insurance and taxes and they have denied my requests.
Product: Credit card or prepaid card

I currently have a Bank of America credit card that was used fraudulently in XXXX, Bank of Americas own fraud department called me to ask me if I knew these purchases which I replied no somehow the charges still went thru, I dipusted them and got the charges credited now months later their denying the claim saying I did this. How??? This is is crazy I even got new cards sent this is so unfair please help me Im a single dad and cant afford the bills I already have to add more.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX with the fair credit reporting act XXXX XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that 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 account under an open end consumer credit pan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  is a company owned by one company ( XXXX XXXX XXXXXXXX XXXX ) This a XXXX XXXX XXXX. XXXX XXXX  and XXXXXXXX XXXX are reporting that my business account ( XXXX XXXX XXXX ) is a consumer credit account ILLEGALLY, after I closed my XXXXXXXX XXXX account. 

None of the 3 credit bureaus will remove the account from my consumer credit report. 

Both companies recently ( XX/XX/year> ) reported activity on my report as a consumer debt. Neither will supply the initial business account agreements. 
This act dropped my consumer credit score -XXXX points in one day ( XX/XX/year> ) American Express is practicing the exact same tactics illegally reporting my Business Credit ( XXXX XXXX XXXX ) as Consumer credit. I also previously closed my consumer account with them as well after XXXX years. 

Neither account is delinquent but the actions gives the impression that my revolving credit is increasing and it brings down my credit score on all 3 bureaus. 

The bureaus WILL NOT properly investigate and resolve the facts of the disputes after XXXX  years. 

I need a mediator to investigate and assist in resolving these issues and/or disputes before I am forced reluctantly seek legal counsel.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has led to the appearance of unknown and inaccurate accounts that I have no connection to. As a victim of identity theft, my information was used fraudulently, resulting in these false entries. Following the guidance of Experian, I promptly filed a report with the Federal Trade Commission and submitted it for resolution. However, despite my efforts, these fraudulent items continue to remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres two hard inquiries on my credit report that I dont know anything about I did not request this from. XXXX XXXX, this is unfair
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the information you listed on my report : XXXX XXXX XXXX # XXXX : Unverified information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all information you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent information.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to move out my apartment complex due to bad maintenance. I checked a new complex out and I had to get my credit pulled. At the moment it was pulled I learned that I was not able to get the apartment due to bad items on my report. Some one has took my identity they have ran my credit outrageously. I can't think of who would do something like this to me, but the items showing on my report are not mine. Please remove these unknown items. 

XXXX  XXXX/XXXX  XXXX {$620.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX {$320.00} XXXX XXXX {$850.00} XXXX XXXXXXXX XXXX XXXX {$93.00} XXXX  XXXX XXXX XXXX {$120.00} XXXX  XXXX {$1300.00} XXXX XXXX {$2900.00} XXXX  XXXX XXXX  XXXX {$700.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$230.00} XXXX  XXXX  XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$70.00} XXXX  XXXX  XXXX XXXX {$3300.00} XXXX  XXXX {$19000.00}
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft, pursuant to section 605, the fraudulent information must be removed. Fraudulent accounts are listed in the attached FTC.
Product: Checking or savings account

This is a two-fold complaint that deals with several State and Federal regulatory violations. In one such example, we will deal with and I complain of violations of the FDCRA ( 15 U.S. Code 1681 ) et seq ; and in the other, I allege, fraud, by a financial institution. I intend, depending on the outcome of this action, to seek private counsel for a private action. I am Complainant, XXXX XXXX XXXX. My XXXX is XX/XX/XXXX. Here is the background. In XXXX of XXXX, I moved from XXXX XXXX XXXX. At the time, I maintained an account in good standing with Simmons Bank. Because I intended to keep the account, although I rarely used the account ( I hadn't used it in over XXXX years ) the bank closed my account, allegedly for " dormancy '', in violation of XXXX XXXX XXXX XXXX XXXX. The bank, rather than to convey the funds to the state as required by statute, kept the money internally and refused a refund. The bank claimed that they charged a " XXXX XXXX '', which is contrary to law and to Simmons own policies and procedures. The amount was just under {$60.00}, however, a violation of this law, only requires a statutory amount of XXXX. I have asked for the refund, the bank refused. I was not made aware, nor had the bank, in spite of having my contact information, made any attempt to contact me, prior to the unlawful confiscation of the funds in the account. On XX/XX/XXXX, after being denied a refund of the so called fees, I attempted to open another account. I was denied. The reason I was given is that something was listed in XXXX XXXX, that was derogatory about me. However, I immediately contacted XXXX XXXX, and now have evidence that there is nothing derogatory about me, nor do I have credit issues. It is important, because the banks actions are retaliatory and because they used false information, in writing, as a reason to deny me access to a checking account. It is unlawful for a bank to without a court order, withhold funds from a depositor. It is also unlawful for a bank or other financial institution to fabricate non-existent fees, especially where those fees are contrary to law. Frankly, it is stunning that without the knowledge and consent of XXXX XXXX, a separate company, Simmons Bank, in a letter to me of " Adverse Action '' stated that the denial of my application for the account was based in whole on information obtained from this Consumer Reporting information. There is no other reason listed and the denial is retaliatory.