23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Contacted Bank of America about NSF fees. Explained that XXXX creditors XXXX and XXXX XXXX had double debited my account and the reversals of the second debit were in process with XXXX companies. I advised that this situation had caused my most recent overdraft situation and would like some concession of NSF fees at {$35.00} each. Representative read me the relevant disclosures about keeping sufficient balances in my account etc. Since overdrafts are decisioned electronically the cost to the Bank is in the pennies at most. The cost to their customers however, is {$35.00} each. This seems to be an exorbitant profit margin on that " product ''. The profit on the forced sale of bank penalties is probably in the 5,000 % range over the cost of providing the " service ''. The bank should have the strategy and the process in place to quickly and efficiently process alternative ways of responding to its NSF policy and strategy when long time customers clarify a real life, verifiable, predicament. This NSF revenue or profit center is a dishonorable way of making profits and delivering shareholder value for a large publicly owned institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

state of Maryland XXXX  claim I went to there school I was a XXXX XXXX  and sent to XXXX. how can I go to school. they said XX/XX/17 acct XXXX ... ... I took a loan. this is a lie. if I don't pay. they said that there the state and they can get whatever they want. there is no way to remove a student loan if you owe it or not. I must pay it threatened me to say I'm responsible and they will continue to ruin my credit. they threatened to ruin me they don't care if I was in XXXX  they just want there money. please help me. I need my XXXX
Product: Checking or savings account

I got a text from an unknown number saying that it was my work, they sent me a check and told me to cash it and I did as soon as I realized it wasnt from my work I sent them the money back and thought that was the end of it They hacked my account and stole. {$2000.00} my bank said theyll give me the XXXX that they stole but not the XXXX that was originally sent back because I didnt clear.
Product: Debt collection

Delta Management Associates attempted to collect a debt in XX/XX/XXXX for XXXX University, which I do not owe. They did not inform me I had the right to dispute, did not include ANY of the necessary and lawful warnings. Luckily, I knew my rights under the FDCPA and disputed, pointing out that they had not only failed to disclose my rights to dispute but also included a collection notice on the front, which is disallowed. I disputed and informed them of this, saying they needed to cease collection or I would go after them for the two FDCPA violations. They THEN sent me another collection letter, over 30 days after initial communication, and included the necessary information, attempting to backtrack and make it look like they had done this all along. They need to cease collection, as they failed to inform me within 5 days of initial contact that I had the right to dispute. THey have also never validated it, and they included it was a collection attempt on the envelope, thus violating my rights under the FDCPA numerous times.
Product: Money transfer, virtual currency, or money service

I was trying to add an external bank account in my Huntington Bank account on XX/XX/year>, but neither the web app nor the mobile app works and ask me to call their customer service at ( XXXX ) XXXX. I then called this number, got transferred between multiple departments and being told that they can't help me because they DON'T KNOW where the problem is! 

The last representative that I spoke with is totally uninterested in helping me with my problem. She just asked me to hung up the phone and go check my personal information at the external bank. I asked about her name and only got her last name and being told that she was a member in Hungtion 's team in XXXX, XXXX 

The Complaint Case Number that I got from the last representative I spoke with is # XXXX, which I doubt if it's real.
Product: Credit reporting or other personal consumer reports

I've observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Despite this, I refute your allegations and challenge you to substantiate your right to report incomplete negative information on my credit report.

In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts that is both integral and accurate. It also requires conducting reasonable investigations into consumer disputes. As per the Consumer Reporting Resource Guide ( CRRG ), adherence to Metro 2 compliance standards is essential for lawful reporting, and any deviation from these standards jeopardizes the integrity of the data. 

I am asserting my rights to challenge these inaccuracies and non-compliance issues. Disregarding my request would indicate a lack of concern for my consumer rights. It is unjust to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I am contesting these claims and requesting evidence of proper reporting standards. 

Your actions are violating my rights, as outlined in this document. The incomplete and non-compliant nature of your reporting fails to meet the legal standards. You must certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, promptly, completely, and accurately. Failure to do so will compel me to escalate these issues to the CFPB, FTC, and my Attorney General. 

XXXX - Original Creditor : XXXX XXXX XXXX XXXX XXXX  {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

ALLY has FURNISHED data on the consumer without the consent of the consumer ALLY 'S reports defamed exposing the consumer to adverse action ALLY HAS FALSIFIED documents on loan paperwork as original creditor. 
ALLY has harrased and illegally collected payment from the consumers credit sale.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of these violations.
Product: Credit reporting or other personal consumer reports

I'm filing a complaint with the CFPB against the creditor for violating the FCRA by continuing to report a fraudulent account on my credit report after I notified them of the identity theft, despite my efforts to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this matter countless times to the credit bureaus, the creditor, this agency, attorney generals, and no one seems understand how to proceed. Experian,  XXXX , and   XXXX   XXXX   XXXX   (  XXXX  ) are all refusing to remove fraudulent information from my credit report after providing verification from  XXXX  that the tradelines were successfully removed from their report.  XXXX  and Experian claim they have no authority to remove tradelines, it is at the discretion of the creditor. The creditor,  XXXX , is stating it is up to the credit bureau to remove tradelines. Obviously, someone, if not both parties are lying and a full investigation must be conducted on all   XXXX    entities. I have repeated multiple times and made it very clear that I have never paid   XXXX   and never will.  XXXX  is still refusing to disclose information of the true owner of this account, and refuses provide me contact information of their legal department.
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I have substantial evidence that proves  XXXX  engaged in financial fraud, forgery, violations of Fair Debt Collection Practices Act, Fair Credit Reporting Act, Servicemembers Civil Relief Act, concealing information, knowingly reporting false/inaccurate information, failure to protect consumers identity, and refusal to comply with other federal regulatory agencies.
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  XXXX   is deliberately and illegally applying a forbearance ( without my consent ) on the account in order to keep the account open and extend the amount of time it takes to fall off of my credit report. Several  XXXX  employees told me this action was to prevent the account from being charged off. The account should have been charged off NLT  XX/XX/XXXX  according to the original default date. Somehow   XXXX    managed to apply several deferments and forbearances that I did not authorize which extended the charge off date from   XXXX   to some distant year.
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Also,  XXXX  is reporting that one of the  XXXX  tradelines is closed/paid in full and the remaining  XXXX  are current.
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This issue is not new, I have reported this before to CFPB and for some reason, you were not able to successfully resolve this issue. Once again, I am requesting a full federal investigation into  XXXX , Experian, and  XXXX . This issue has done nothing but cause emotional and financial distress and CFPB needs to properly handle the situation. If any other information is needed, please contact me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Starting off, I lost my job due to a medical injury. I then received my last check & started withdrawing money & transferring money to my PNC account. I went to the ATM located 5-6minutes away from my home. No money dispensed out of the ATM. I called PNC, even walked to the branch location across from XXXX. They told me the only way they could do anything/return my money to me was if I started a dispute for any charge the was unauthorized, goods not received. I disputed the purchase off of my account & was provided a provisional credit/Temporary credit. Days later I was denied & they reversed everything. They only provided money because I reported them ( PNC ) to the CFPB. Now they closed my account because i told them over the phone i never got my money out of the ATM & I dont believe I should pay anything if my goods were never received. Money is hard to get.
Product: Credit reporting or other personal consumer reports

Since XXXX and XX/XX/XXXX, I have requested that XXXX update my credit report balance to XXXX, my student loans were transferred to XXXX on XX/XX/XXXX, which meant they was paid full and if I call the number the recording says " Your loans are paid in full '' yet on my credit report, the balance for XXXX continues to state I have a balance on numerous loans. I have called XXXX in the past month at least 5 times and they stated that they were working on it, yet I received a letter in the mail that states my balances are correct which is not true. Secondly, one of the times that I have called in the past month, the representative stated that they were under a new system in which whomever the loans are transferred to, is supposed to correct my credit report which does not make any sense. I have sent XXXX, XXXX, and Studentaid.gov all 3 copies of my credit report dispute with the balances and do not seem to get it. At least {$50000.00} of loans from XXXX still have balances. I have sent copies of all credit bureaus and called at least 5 times.
Product: Student loan

Between 2007 and present day, I have paid my student loan payments. As a XXXX in a XXXX school in Ohio for the past 13 years, I expected to now qualify for loan forgiveness. I have come to learn that I was LIED to for years about having been " on track '' for student loan forgiveness from the various servicers on my account. It is beyond disgusting that the federal government would permit these companies to provide deliberately misleading practices and information that would harm public service workers and cause them to encounter denial for forgiveness. It is no wonder the denial rate is 99 %. These predatory companies KNEW that they could get away with ripping us off for years since it wasn't until the 10 year mark that their deliberately deceptive practices would be discovered. Please do something to help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$9300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$490.00} XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 - A recent class action lawsuit accuses XXXX XXXX of forcing their customers to pay interest on ... affirm these common sense understandings, but XXXX XXXX XXXX actual practice does not. ... XXXX XXXX XXXX ( XXXX ) XXXX, Case No.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive noticed several unauthorized inquiries on my credit profile section 609 of the fcra states that all inquiries should have written approval of the applicant also section 1681 of the united states code states its illegal to inquire without written authorization these companies are conducting an illegal practice and are subject to suit if these items are not removed immeadiately
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that you are reporting inaccurate personal information. I am confused to see how many different variations of my name, address, employers and even my birth date is being reported. This is highly embarrassing to me and I am reporting to you the correct and legal versions of my personal information I am reporting to you my correct personal information. 

This is my correct personal information : Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX MI XXXX Employers : Michigan Department of Corrections Date of Birth : XX/XX/1981 The following are incorrect and need to be deleted : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX : I have never lived there. I don't know why this is listed on my credit report. I want this address removed immediately. 

If my information is not updated to what I have requested I have been in contact with a consumer financial law attorney and if all the incorrect and obsolete information is not removed from my report I will be pursuing civil litigation against Experian without hesitation.
Product: Credit card or prepaid card

A dog was purchased from XXXX on or about XX/XX/2020. 
After taking the dog to the veterinarian as required by XXXX it was discovered that the dog was sold with a KNOWN congenital defect without any disclosure to us. We were told to return the dog immediately. We contacted XXXX several times without a response in addition to the insurance warranty company supplied by XXXX again to no avail. Multiple emails, phone calls and letters written and all of these have been submitted to MO Attorney General and the XXXX. However, to date XXXX has refused to respond. Contacted Comenity in regards to this from the beginning for fraudulent charges due to product not received as promised. Still to no avail. Contacted the sales representative directly by text message and she reported she would refund the money to the card and a receipt was provided to Comenity. However, to date they refused to credit the account! Something needs to be done to XXXX as after investigating this problem occurs numerous times over and over across the country which is disgusting. The response from the MO ATTORNEY General was that this company always fails to respond- ok why isnt something being done! I have many credit cards with Comenity and have made other larger purchases from XXXX in the past and paid my bill - however I refuse to pay for a service that was not provided and its not ethical to sell an animal with a known congenital defect. The veterinarian wrote a letter in regards since he did the original intake assessment in XX/XX/2020 and yet they still sold the dog to us XX/XX/2020!! I have provided all this documentation to Comenity, XXXX, XXXX Mo attorney general and the warranty company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX  XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX, I submitted a reinvestigation letter to Experian pursuant to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). The account in mention is XXXX XXXX XXXX Account # XXXX This account held numerous inaccuracies and incomplete information. 

VIOLATIONS : 1. The Date Last Active reflects three ( 3 ) different dates across from each credit bureau ; A. XXXX XX/XX/2023 XXXX Experian XX/XX/2023 XXXX XXXX XX/XX/2023 ; these inaccurate dates are detrimental because they harm the

seven ( 7 ) year length of a consumers right to removal of debt. 2. The Date Last Payment contrad
icts the Date Last Active and the Two-Year Payment history. As the report reflects ; XXXX XXXX XX/XX/2023 XXXX. Experian XX/XX/2023 XXXX. XXXX XX/XX/2023 ; In light of this error it clearly demonstrates that my credit report fails to demonstrate 100 percent accuracy. 

Experian failed to conduct an investigation allowing the incomplete and inaccurate information to continuously reflect on my credit report. 

Experian didn't even go as far as Updating this information to reflect accuracy. 

In addition, Experian failed to provide me proof of the investigation. Pursuant to 15 U.S.C. 1681i ( 7 ). 

Therefore, the multitude of violations complicit by Experian, in transgression of my constitutional rights pursuant to 15 U.S.C 1679c ( a ), caused degrading prejudice to financial health. 

Accordingly, the law impose that the credit bureaus are not limited to XXXX option in making a determination. See : 15 U.S.C 1681i ( 5 ). 

It is mandated that Credit Bureaus delete an account if it is [ Inaccurate ], [ incomplete ] or [ un-verifible ]. 

The law does not allow the credit bureau to pick and choose a particular legal standard to validate their investigation. Nor the option to turn a blind eye to a consumers credit reputation without just cause. 

In short, due process requires If the investigation does not provide consistency, accuracy and completion amongst all [ Credit Bureau ] accounts, then, in light of the fruit of the poisonous tree the account MUST be DELETED.
Product: Bank account or service

Originally, I opened a single checking account at Wells Fargo. Agents of Wells Fargo then began opening new checking accounts and credit cards in my name, going so far as to move my balances around the different accounts. When I asked them to close all my accounts, they stated they would, but never did. This resulted in overdraft fees, and a huge negative impact to my credit.