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

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identity transactions. The identity transaction are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX Disputes on XXXX XXXX. 
I contacted XXXX XXXX XXXX I contacted XXXX XXXX XXXX The following are *UNAUTHORIZED INQUIRIES This is inaccurate information on my credit report XXXX XXXX XXXX  INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX XXXX  INQUIRY DATE : XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts listed on my credit reports are being reported illegally and are fraudulent for the following reasons : XXXX. XXXX XXXX XXXX XXXX Acct # : XXXX XXXX. XXXX XXXX XXXX. Acct # : XXXX There are several issues concerning these accounts that make them fraudulent and/or illegal. The above items are being illegally reported as charge-offs. I was never provided LEGAL details of what would happen if any of my accounts were to go into a default status. The Credit Card Agreements do not provide any LEGAL definition of an account going into collections or being noted as a charge-off. I have attached the credit card agreements for you to see. There are several very important issues that are not addressed. XXXX ). What is the LEGAL definition of an account in collections? XXXX ). What is the LEGAL length of time that an account is in default that it can go into collections? XXXX ). What is the LEGAL definition of a charge-off? XXXX ). What is the LEGAL length of time that an account is in default that it is considered a charge-off? Neither the credit card agreements nor the FCRA give any type of LEGAL definition of the terms above. It appears that companies can just make up the rules to whatever suits them at the time. Meanwhile, it is the people who suffer. I demand these accounts be removed from my credit reports due to a lack of informed consent, according to 15 USC 1602 ( k ), which makes them illegal to be reported as a charge-off. As you can also note, the 3 credit bureaus are not reporting the same information, which also makes them less than 100 % accurate. According to 15 USC 1681 602 ( a ) ( 1 ), " Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' Also, for this second reason, I demand the accounts be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im going to attach these documents to support my complaint. XXXX XXXX XXXX is reporting this account to all three CRA I reached out to XXXX XXXX  and this is what they said to me. They told me to reach out to the CRA to correct this information well when I did I got no proper investigation. So now XXXX XXXX XXXX can report an account that they have no proper documentation on no signed signature of mine ... Section 609 of the FCRA states you have to have proper documentationXXXX XXXX  2017 is when I started my disputes I got nothing back but these documents. What form of verification or steps did Transunion, XXXX and XXXX   take to investigate this account none of the CRA sent me anything on how they pro formed an investigation.
Product: Checking or savings account

I mailed a {$65000.00} check to XXXX XXXX XXXX that was fraudulently cashed. Fifth Third Bank, after ten months is refusing to make good on the check even though it was reported in a timely manor. The first report was rejected by their disputes department because they wanted an affidavit from XXXX saying they never received the funds. In the time it took XXXX to respond with a letter saying they never receive the funds the time required by Fifth Third had been exceeded. Fifth Third has in their records that I did in fact file in a timely manor but they are still refusing to make good on my funds. I have been working with the office of the president of the bank and they have been less than helpful. I would appreciate any assistance you can provide.
Product: Checking or savings account

On XX/XX/XXXX I schedule a transfer from XXXX Goldman Sachs for XXXX XXXX to an external account to take place on XX/XX/XXXX. 

When I scheduled the transfer, a message popped up and asked me why I am transferring that amount of money. I answer a question, but I just thought it was a customer survey. 

On XX/XX/XXXX I received a call asking to call back the bank XXXX. 

I called back, and they told me that they wanted to be sure that it was me that Initiated the transfer. 

The strange part is that the transfer was done to my own XXXX account, so the activity was not suspicious or fraudulent. 

Then I asked them to explain the reason for suspending the transfer and they gave XXXX contradicting answers. 

1. They have concerns that the transaction was fraudulent ( however they later acknowledge that I was transferring the money to the originating account ). 

2. They generally want to keep the money for XXXX days in the savings account ( which is stranger, as I needed the money for paying the school of my children and it was not a certificate of deposit ) 3. Finally, the most disturbing thing, that according to the savings agreement they reserve the right to block withdrawals from my account. I read the agreement and that statement was right. But it was not clearly disclosed to the customer. Moreover, the bank does not discloses the amount to be block from being withdrawal. 

I just want to file a complaint against XXXX Goldman Sachs for preventing the customer to access their funds on timely manner. Blocking transfers to originating accounts are just an excuse to retain funds at the bank. This is not the standard practice of banks. I transferred money in the past between my accounts and this is the first time that my transaction is blocked by a bank based on security reasons ( I am not sure how suspicious is a transfer of money between my own accounts ). 

This is reducing the quality of the service ( timely availability of funds ) which is standard to any savings account. 

Also I want to complain on the time duration for transfers to my XXXX account. The XXXX transfer takes up to XXXX days. But the money is frozen for XXXX  days. The bank is holding the money at the expense of the customer. They should make the money available after the XXXX transfer is completed and not holding the money in excess of that time. They currently hold the money for an extra XXXX days.
Product: Student loan

It all started when i attended XXXX XXXX in XXXX. Then the school shut down a week before i got my money but i was still charged XXXX dollars that was paid. I moved back to XXXX staterd attending XXXX XXXX College XXXX XXXX campus they kicked me out of school due to nonpayment on the XXXX loans the tax form i have says i paid XXXX dollars back in loans and XXXX dollars back in grants. I finally after a month got to go back to XXXX and recieved a small portion of my loans and grants XXXX dollars out of XXXX dollars worth. They never did give me the rest i was top of my classes they kept giving me the run around so i am currently struggling to transfer to XXXX XXXX College XXXX XXXX. School for summer classes starts in a few days they have been acting like they arent getting my transcripts finally got those then it was a problem with my test scores got those then they email me about my trabscript being incomplete so i went to XXXX and they maticously had everything now im still trying to set my classes up with them. It has just been very difficult ever since XXXX XXXX and all im trying to do is get a degree in XXXX XXXX.
Product: Mortgage

I have received over XXXX unwanted phone solicitations today from Mortgage Pros XXXX. They use over XXXX different numbers so it's impossible to block them. I have asked at least XXXX representatives not to call here and told them they do not have permission to call me. The last representative said too bad he is going to keep calling. I hung up then he immediately called me 4 consecutive times. I have never seen such targeted harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting a charge-off balance amount of {$3300.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The balance reporting is incorrect. This account balance needs to report {$0.00}. This inaccurate reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to update and/or remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I made my final payment on a charge off account. On XX/XX/2018 a failed to pay was still reported to Experian credit report. I filed 2 disputes and capitalone still refused to remove the failed to pay for XXXX. I received monthly failed to pays for over a year before XXXX XXXX even though I made monthly payments. This affects your credit adversely every month u lose points.
Product: Mortgage

While in the process of preparing my deceased parent 's home ; hurricane Ian struck. 
A claim was filed and money to repair home received by Fifth Third Bank on XX/XX/2022. 
The family has not received any of this money for the repairs. 
While waiting for the repair money more damage was done to the home. 
The home and the deed are in the family trust. 
The bank has sent a check to an entity that does not exist instead of to the trust. 
The trust account is held at XXXX XXXX XXXX and they have asked for the check to be made out to the name on the trust. 
Fifth Third bank refuses to do this. 
They also will not cash the check at their own bank. 
They have had the insurance money since XXXX. 
This seems to fraudulent to hold insurance money that is not their money.
Product: Money transfer, virtual currency, or money service

Given bogus account numbers theft of funds screamed at by staff illegals on call refused checks basically lied too XXXX, told a bout thirty min ago my acct, number do n't work.ssi ssa checks missing this banks a failing XXXX, XXXX bank it 's nothing.s sections,1692 e -- k, ,violates regarding misrepresentation, n false statements n lies n debt collection or elevating I should say theft vs my funds n my account about two days ago I was told $ XXXX, some change in account n ssi ssa check had n't hit yet, but XXXX $ is missing banks not coughing it up fine this bank to for disclosure scams solicitation by illegals on call of id theft victim XXXX, and basically when u call debit card number it dispelles, all your data on thee,  call to whoever may have gotten your card huge security breach XXXX XXXX, there shut Huntington down the calls are recorded for quality control purposes so if you think I 'm lying just took the call she said the bank number after giving it to her the Immigrant lady female XXXX she said that it did n't work what they gave me a non-working bank account number than what the XXXX I never delegated any Authority or assigned any power through my words verbally to the bank telling them to take my money and still it move it or nothing like that so I do n't know what 's going on with my checks from Social Security and XXXX getting his Banks XXXX I rest
Product: Mortgage

I have had repeated issues with my loan servicing company/escrow account. They have, on multiple occasions, paid, duplicate or incorrect amounts and even after requesting a XXXX speaking representative, I get people who do n't understand me when I work for resolution. 
They wanted {$500.00} to cancel my escrow and I refused to pay it. After fighting with them for over a year, they finally cancelled my escrow account. Now they are claiming to have paid my taxes, after the closure, and want me to reimburse them. I paid my taxes. My local tax authority refunded OCWEN ; and believes they may have incorrectly applied the funds to another account. Every time they send one of these demand letters, I request an audit. They do an audit and request more money for something else. Only ever giving me their printout of what they claim they did/did n't receive, did/did n't pay. I believe that when I become exhausted and write them a check, it encourages them to do it again. 
Now, they are demanding my tax receipt. I 'm looking for it ... had it for income taxes and have misplaced it when re-filing them. They also did n't send me any statement for taxes paid when they sent my interest statment. Anyway, I asked them for their receipt, they just send me a printout of their accounting. I can make a printout on the computer the same as them. 
I have gone through grief for several years between my tax persons prosecution for embezzlement and OCWEN 's incompetent servicing of my mortgage. I need to know how to compel them to get an objective third party to go through my mortgage history and do a legitmate audit. I do n't trust them.
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 : Account Name : XXXX Account Name : XXXX XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name XXXX XXXX XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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: Checking or savings account

If you had a Wells Fargo account between XXXX and XXXX, you might be one of the 16 million customers who qualify for damages, says the Consumer Financial Protection Bureau ( CFPB ). 

As part of a {$3.00} XXXX settlement, Wells Fargo has agreed to pay more than {$2.00} XXXX directly to customers harmed by illegal activity, ranging from incorrect overdraft fees to wrongful foreclosures, Can you please include me in the class action lawsuit? 

Here is my Bank Account credential : Account number : XXXX Account holder name : XXXX XXXX
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 Consume 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: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with experian to help clear all the inaccurate data that is hurting my file. this has been a big issue. please delete an remove all information listed this has hurt me. delete asap.
Product: Money transfer, virtual currency, or money service

XX/XX/2018 Added a XXXX recipient " XXXX '' -- XXXX XXXX XXXX XX/XX/2018 TRANSFER TO XXXX XXXX REF # XXXX ( via XXXX ) {$240.00} -- email used was : XXXX XX/XX/2018 Amount not received by XXXX XX/XX/2018 Talked to Wells Fargo banker " XXXX '' at XXXX XXXX Branch He noticed that XXXX had not registered for XXXX with her email yet. 
Sent instructions via email to XXXX on how to register with XXXX and asked her to do so. 

XX/XX/2018 XXXX still has not recived the {$240.00} in her account Added XXXX recipient " XXXX '' -- XXXX XXXX ( XXXX 's husband ) TRANSFER TO XXXX XXXX ON XX/XX/XXXX REF # XXXX ( via XXXX ) -- email used was : XXXX XX/XX/2018 XXXX XXXX received the amount in their account ( same account as XXXX ) {$240.00} XX/XX/2018 Talked to Wells Fargo banker " XXXX '' XXXX checked both of our accounts -- XXXX 's email was still NOT registered with XXXX -- XX/XX/18 Our account showed a payment of {$240.00} to XXXX -- XX/XX/18 Our account showed that the payment was delivered to some WF account ( not XXXX 's ) -- XX/XX/18 XXXX 's & XXXX 's account show NO payment received on XX/XX/18. 

-- XX/XX/18 XXXX 's & XXXX 's account show the payment ( {$240.00} ) received. 
( sent on XX/XX/XXXX ) XX/XX/2018 After almost 3 weeks of original XXXX payment, the amount that should have been returned to us within 10 days of No Delivery is still no where to be found. 


XX/XX/2018 XXXX claim case opened : XXXX XX/XX/2018 XXXX claim case closed : They claim the amount was successfully delivered and a token was successfully issued and there is nothing they can do now ( but they do not disclose to WHOM it was delivered ) The question is : If XXXX 's email is not registered with XXXX ( as Wells Fargo has verified ), then where did the original amount of {$240.00} go -- it was taken from our account but not received by the intended recipient ( both facts verified by Wells Fargo including the intended recipient 's email address, so no confusion about the email address either ), then where did it go and why are they not refunding us?? 

XXXX & XXXX have no other bank account. 
XXXX also called Wells Fargo & XXXX, but they could not help him either to track down the missing payment. 

XX/XX/XXXX -- XX/XX/XXXX Went back & forth with the Wells Fargo banker " XXXX ''. 
He opened a new case : XXXX with their Executive Resolution Team, who took 2 weeks to look into this. 
In the end the case was closed because XXXX won't expose the account # the amount was deposited to. 
XXXX gave up and agreed we go through the Legal Route.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Consumer/living soul XXXX XXXX XXXX XXXX GA XXXX Cease & Desist Account # Account name I am writing this letter to inform you that I am issuing a cease & desist on this account # & name refer to see attachment Pursuant to state & federal law I am ceasing all Communications on this account through all medium except for paper mail at this address XXXX XXXX XXXX XXXX GA XXXX XXXX me that all activities and removal has been completed refusal to comply with this cease & desist will be continue in lawful action. 

Pursuant to law I did not give you a written or verbal consent to have or shear my personal information. 

Pursuant to law its a violation to have and shear my personal information without consent of any kind. And this action that you have taken has put my life in grave danger by invasion of privacy. 

pursuant to law transaction between the consumer and the person making the report is confidential Pursuant to law it is against the law/violation to be involved in racketeering activities, coercion, fraud & swindle, extortion, discrimination, & aggravated identity theft. 

You have also committed treason, depriving me of life liberty and the pursuit of happiness. 
So please stop reporting this account to the world remove these account seize all publishing activity clear my file of all inaccuracies AND RASE MY SCORE SUBSIQUENCIALLY Ignorance to the law is no reason to break it everyone must follow the law Notice is complete upon delivery This is not a dispute pursuant to your privacy police consent have/has to be given before any shearing takes place YOU HAVE 3 DAYS TO REMEDY THIS REQUEST Yours truly Original creditor XXXX XXXX
Product: Credit card

When I signed up for XXXX Amex card I was promised XXXX bonus miles if I charged a specified amount, I would receive bonus miles. 

I do have another Amex card and Amex told me that I was not able to get my bonus miles because I had multiple Amex cards.
Product: Mortgage

4 years I finances a house with USAA mortgage. The VA process want not bad. USAA told me repeatedly that I would pay XXXX at closing ; actually paid over {$8000.00} including the first mortgage payment that was never applied to the loan. After that USAA turned the mortgage over to XXXX XXXX XXXX. Every year I submit XXXX County tax documents indicating a property tax exemption. Every year XXXX XXXX  XXXX collects the amount of {$140.00}, holds it in escrow to profit interest on it then sends it to XXXX County. And each of the past four years XXXX XXXX XXXX told me to go make XXXX County give me the money back. USAA and XXXX XXXX XXXX are taking my ( possibly many others ) property tax, holding it for investment, making money on it, then paying tax that is not to be paid. This practice needs to stop. To a XXXX XXXX XXXX employees credit in XX/XX/2017, she tried to have a permanent waiver on my account but the processors would not even give her answer of why it was not done.