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

I previously had opened US Bank account with US bank branch in XXXX XXXX, CA sometime in early XXXX. My checking account with US BANK was under investigation sometime in XXXX of XXXX. My checking account was then closed approximately one of the first days of XX/XX/XXXX. It had a positive balance of {$2500.00}. I am still waiting on getting those funds returned to me as of today, XX/XX/XXXX. Frequent communication with the US bank branch at XXXX XXXX ( on XXXX XXXX XXXX, XXXX XXXX, XXXX ) over the past 11 months has gotten nothing more then telling me to wait. The branch manager has even told me that the back office, which is supposedly where my funds are still being held is telling her not to release my money to me yet she is trying, at risk of losing her job, to try and get me my funds back. It is such a lie and is such an insulting thing to say. I feel like they are playing with me and my money. I don't know if she finds this whole situation amusing but to me it is everything but and her lack of professionalism is very disappointing, to say the least. All she keeps telling me is that she will get in touch with me once she has a check for me. Yet she has been saying the same old song for almost a year now. I am sick and tired of being jerked around. XXXX is enough. I want my funds returned to me, in full, no later then by the end of next week. Thank you for taking my complaint.
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX XXXX Account Number : XXXX Bal : {$0.00} 2. XXXXXXXX XXXX XXXX  Account Number : XXXX Bal : {$310.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Credit card

I have made settlement agreements with Credit Company & or Collation agents that have broken agreements within how they may report to any and all reporting company 's. As agreed on with each payment made to any & all Credit Company 's & or Collation agents term of cashing payments were sent with each payment in a written agreement of cashing any & all payments. As stated within agreement by cashing payments that company agreed to any & all terms within payment agreement. If a company did not agree to any of these terms within the payment agreement they were told NOT to cash any payments made & by cashing any payments they were agreeing to any & all terms. All Companies are in " Breach of Terms of Reporting of Agreement of Payment '' ( Sent with Each Payment ) which is violating the Agreement of Payment. Terms of payment to " BE IN WRITING '' ( WITH THE FOLLOWING KEY TERMS OF ALL SETTLEMENT AGREEMENT ), '' TOTAL AMOUNT TO BE PAID '', " PAYMENT TERMS OF TOTAL AMOUNT '', " REPORTED TO ALL CREDIT BUREAUS REPORTING COMPANYS AS WORDING OF " PAID ONLY '' WITH NO NOTES OTHERWHYS THEN BEING PAID '', " BE REPORTED WITHIN 30 DAYS OF FIRST PAYMENT ''.
Product: Credit reporting or other personal consumer reports

i requested that my transunion account be frozen after having my bank account hacked in XXXX & also in XXXX i was told it was locked & frozen & it was not the case
Product: Debt collection

I am writing to formally dispute the consistent existence of inaccurate and fraudulent accounts on my credit report. After reviewing my credit report, I have identified several accounts that I have no knowledge of, and they appear to be the result of fraudulent activity. I have previously disputed these accounts, yet they persist on my credit report without valid proof or verification. 

Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I want to emphasize that I have no knowledge of these accounts, and they are likely the result of identity theft or fraudulent activity. I previously disputed these accounts, but they remain on my credit report without proper validation. I have taken the necessary steps to report the fraudulent activity to the authorities. 
I kindly request that you conduct a thorough and immediate investigation into the validity of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that the FCRA mandates a timely resolution of consumer disputes, typically within 30 days.
Product: Checking or savings account

On XXXX I submitted a transfer request at Ally Bank for {$1500.00} to send to my XXXX XXXX account. On XX/XX/12 they said my transfer was suspended and I can not use transfers for 1-2 business days. I called several times and was repeatedly hung up on and then told I would not have access to any of my funds for 1-30 days pending a fraud review. I can not access the online account and the agents are not being helpful.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) rules and regulations, I request that XXXX promptly investigate and remove any inaccurate accounts from my credit report.

Equifax has failed to properly investigate the following accounts on my credit report which violates the CFPB : Account Name : XXXX XXXX Account BALANCE : $ {$810.00} Account # XXXX 2.Account Name : XXXX XXXX XXXX XXXX Account BALANCE : {$520.00} Account # XXXX 3.Account Name : XXXX XXXX XXXX Account BALANCE : {$890.00} Account # XXXX 4.Account Name : XXXX Account BALANCE : {$1300.00} Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This serves as my follow up submission of my concern regarding these listed inquiries which I sent a letter to the Experian, XXXX and XXXX Credit Bureaus dated XX/XX/XXXX. I am reaching out to the CFPB for assistance in ensuring that the aforementioned three Credit Bureaus handle my request for inquiry removal with utmost professionalism. Kindly find below a compilation of inquiries that are either not associated with me or were initiated without my authorization, necessitating their removal : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per FCRA Section 605B ( a ), Credit Reporting Agencies should block any information in my file that I identify as resulting from alleged identity theft within four business days of receiving the report.
Product: Credit card

I received an email from a Citibank branded Goodyear credit card saying I owe them an outstanding balance. I believe that is a fraud email since I do not have any Goodyear/Citibank branded credit card. See email paste below. 


CitiEmail XXXX EMAIL XXXX Cardmember : XXXX XXXX Account Ending In : XXXX Member Since : XXXXAlerting Service Credit Card - Minimum Payment Due AlertGoodyear Credit Account Card XXXX Balance : $ XXXX Due : $ XXXX Due Date : XXXXLast Payment Amount : $ XXXX a payment was already sent, please disregard this message. To make a payment, visit XXXX and use our Online Bill Payment service. It 's fast and easy. 

You may also use that address to modify your alerts. 

Please understand that we can not respond to individual messages through this email address. It is not secure and should not be used for credit card account related questions. 

This message is for informational purposes only. 

ABOUT THIS MESSAGEPlease do not reply to this email. For account-specific inquiries, please sign on to your online account or call Customer Service.
Product: Mortgage

I purchased my home on or around XX/XX/2008 and financed {$130000.00} on a 30 your mortgage. Over the past 15 years we have had 3 different mortgage company, not by our choice. in the same time span due to personal illness and job loss a couple of times i may have missed 8 or 9 payments. So in the last 15 years i have had roughly 180 payments at or around {$1200.00} ( includes escrow taxes that i am aware increase incrementally yearly ) to make and have made roughly 170 of those payments through the last 15 years. Most recently with our current company who was using foreclosure to force us to refinance again because we were 2 months behind on payments has us paying more than we did at the start of the loan. the loan now i just noticed is financing {$150000.00} for the next 40 years.
Product: Credit reporting or other personal consumer reports

1. XXXX XXXX XXXX is currently furnishing and reporting information to my consumer report. 

2. I have no relationship with this agency and have no idea how they acquired any access to my consumer report or private data. 

3. It appears they are a debt collection agency based out of Florida. 

4. They sent me an email stating " This is an attempt to collect a debt ''. 

5. I do not know how they got my personal email to send me that. 

6. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX do not have my consent to furnish this negative information and they surely do not have my written consent. 

7. Any and all consent to Equifax, XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked effective immediately. 

8. The adverse item being reported has nothing to do with any sort or crime or conviction thereof and is not equitable to the report.
Product: Credit reporting or other personal consumer reports

On checking my credit today, I noticed unauthorized credit inquiries. I mailed letters to XXXX, Experian, and XXXX disputing the unauthorized credit inquiries which are supposed to be deleted as per the Fair Credit Reporting Act. Experian, XXXX, and XXXX have not removed the unauthorized credit inquiries from my credit report to date. The unauthorized credit inquiries are : XXXX. XXXX XXXX XXXX and XXXX XXXX
Product: Credit card

To whom it XXXX concern, On XX/XX/year>, I was approved for U.S. Bank 's XXXX XXXX XXXX XXXX Credit Card. 

XXXX of the card 's benefits is issuance of XXXX XXXX XXXX ticket 5 % discount coupons, which should be deposited to my XXXX XXXX  account within XXXX business days of account opening according to the terms ; however, it's been way past XXXX business days and I still haven't received the coupons yet. 

On XX/XX/year>, I called U.S. Bank to inquire about the matter, but the associate could not resolve my issue and connected me to XXXX XXXX, who in response stated that coupon is issued by U.S. Bank and there is nothing they could do from their end. I called XXXX Bank again, was connected to a different associate again, but got the same answer as the previous call. Knowing this would be an endless loop without the issue being resolved, I decided to file a complaint on CFPB. 

Please see attached documents for the date of account opening ( XX/XX/year> ) and the fine prints for the coupon. 

Thank you,
Product: Money transfer, virtual currency, or money service

Without giving its customers any warning, Paypal recently redesigned it's app so that the default option of transferring money now carries with it a 1 % fee. The only notice of this is in teeny tiny print. Customers were never notified that this new feature had been installed. There is no way to reverse these charges and it's a " one-button '' transaction, so you are never asked : " Hey did you really mean that you wanted us to assess a service charge on this transaction? '' There is no way to adjust the app or your account so that this charge can be avoided. This is clearly an effort to assess fees on unsuspecting consumers. I urge CFPB to look into this incredibly sneaky way that Paypal is targeting unsuspecting consumers. People who are vision impaired in any way likely have no idea this is happening. Truly disgraceful behavior by Paypal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly protect my information. Through cyberhacking, my account was compromised, according to Equifax 's Web service ( https : //www.equifaxsecurity2017.com/potential-impact/ ), as I discovered on XXXX2017. Equifax seems to be offering " one year free '' identity theft protection. Because of the nature of this breach and the information obtained by the hackers, this is a patently inadequate length of protection considering that anyone with my information can simply wait one or any umber of years before attempting to steal my identity with it. This is therefore is nothing more than a means to force victims caused by Equifax 's inadequate security, to purchase their service once it expires. My identity information was not divulged with my consent. Furthermore, as of today, XXXX2017, Equifax 's " free '' identity theft service agreement includes a provision that, unlawfully, binds the user of the service to arbitration. This shows bad faith on the part of Equifax and its managers in dealing with customers. Finally, three top executives sold large amounts of shares in their company before the news of the breach was public. This implies that they intended to enrich themselves based on this breach and the suffering of their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve these issues since XXXX until now XX/XX/XXXX with no real response to how did they verify the accounts and no change. I wrote to the United States Bankruptcy Courts on XX/XX/XXXX and they responded back that they do not report cases to credit agencies. I also wrote to XXXX several times and they have resolved and removed the Bankruptcy reporting off my report. I sent the proof to all of the credit agencies : Transunion, XXXX and XXXX and they are stating validated, I have sent at least 3 letters and twice by certified mail. In the letters I asking how did they verify the accounts and please send me a copy of my credit report and I received no answer nor a no letter, just an email from Transunion, with Validated. This is unacceptable, unprofessional and very irresponsible on they're behalf with the timeframe of 30-45 days and no letters with the answers and they are not even answering my questions. I need them to revisit the investigation, research, review and advise me with 30 days how did they verify this information and if they can not in writing Remove the items IMMEDIATELY from all credit reports and send me a updated credit report. Thank you.
Product: Mortgage

XX/XX/XXXX, we received a letter from Lakeview Loan Servicing LLC advising our mortgage loan records were accessed by an un-authorized entity between XX/XX/XXXX and XX/XX/XXXX. The records accessed contained name, address, loan number and social security number. Problem : Why were our mortgage loan records still in Lakeview Loan Servicing LLC systems and not archived since our mortgage loan was transferred to XXXX effective XX/XX/XXXX? More than two and a half years before Lakeview Loan Servicing 's security breach? 
The letter Lakeview sent us on XX/XX/XXXX, provided a phone contact number XXXX which we called, and it automatically dropped after one ring. Thus, any questions we had were not answered. Lakeview Loan Servicing engaged XXXX XXXX XXXX and we tried to enroll in their free one-year service but could not because they wanted us to enter our social security numbers and we do not want to give that information to XXXX XXXX  XXXX Lakeview Loan Servicing assigned us a membership number XXXX and XXXX which XXXX XXXX should be able to use without having to enter social security numbers.
Product: Credit card or prepaid card

This complaint is regarding CITI Card. The reason for the complaint is that they have a ONE-SIDED merchant dispute for us, ongoing since XX/XX/XXXX and now it appears that they are going to continue to accept - forced and not legally obligated swipes of $ XXXX/ month again in XX/XX/XXXX to a Network that we are not receiving anything from, XXXX XXXX XXXX XXXX. ( A home based business- A one - man shop -- that is not properly registered with an EIN for Tax payments to the IRS ). 

Please let CITI Card know, that we have no problem paying for a service if we use the service, and if we are obligated by contract. 

We are very surprised and angry to learn today, XX/XX/XXXX that after reporting to our CITI CARD ( XXXX XXXX, RE : Purchases to " XXXX XXXX XXXX XXXX '' originally authorized as an optional service, monthly, as needed on a card that ends in - XXXX however the merchant has been forcing charges on us without me actually typing in a card number under the re-assigned card number for the same visa that ends in - XXXX. ( This is suspicious because the Merchant, XXXX XXXX XXXX   XXXX is force-billing us without us presenting or typing in our visa card number, to prove that we are making a purchase. The Company 's Terms of Use Terms of Service are attached!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reported accurately. I had 2 late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account hasnt not been late on the payments. I have attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ) Im now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on-time immediately. Thank you for understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor Ally financial has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604a section 2, its also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I opened my account XX/XX/23 after being promised a {$400.00} account opening bonus. I was required to have 2 direct deposits totalling over {$1000.00} within 30 days of account opening. Then I was to be given the bonuses in 4-6 weeks. I have met all the requirements I called Truist and they ha e now put in 3 separate requests for why the bonus wasn't received. All of these requests take 10 business days but it has been over 60 days since the initial request and they still have no answer as to why I didn't receive the bonus or when I can expect it. I would not have chosen Truist if it weren't for the bonus and its misleading to new account openers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple credit disputes were filed with the 3 credit bureaus ( XXXX, TransUnion, XXXX ) regarding a car loan with XXXX. The account has been closed and paid off with Ally ( XX/XX/21 ) and yet it is not reflected on my credit report. In each dispute with the credit bureau, loan payoff documentation was provided. 
XXXX ( file # XXXX on XX/XX/21 and XXXX XX/XX/21 ) XXXX  ( file # XXXX on XX/XX/21 ) TransUnion ( file # XXXX on XX/XX/21 ) Additionally when the results came back I sent letters to all XXXX bureaus with a consumer statement on XX/XX/21 and it is still not appearing on my credit report. I fought with XXXX on XX/XX/21 and they admitted they got the statement and stated that it was added but refused to address the issue of the incorrect information added in XXXX on my credit report. 

I have been unable to contact trans Union or XXXX as they do not allow options to speak to someone. Just seeking assistance is getting the consumer statement and information updated to my credit report.
Product: Debt collection

Unauthorized permission to report on my credit report. I continue to aske the company to send proof of validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I have tried to reach out to the creditors and get this situation rectified. These accounts below are fraudulent and unauthorized. 


US BKPT CT OH XXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX CONSUMER PORTFOLIO SVC XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX  XX/XX/XXXX {$14000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts # 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
Product: Checking or savings account

I asked XXXX in the CEO office to please give me the person frauding me from XXXX XXXX XXXX information since USAA would do nothing to help me. He refused but told me to contact XXXX XXXX XXXX. I have been refused access to the XXXX of XXXX XXXX. There is no one in charge of USAA bank. I have had to speak with subordinates who have not helped me. I gave XXXX name and phone number of the fraud person. USAA has been cited and fined for money laundering. That is not this situation. I also cooperated by deleting an external account to stop this fraud. USAA is out of control and needs to be monitored or closed.
Product: Checking or savings account

I opened a claim with Wells Fargo in XXXX regarding me making payments on a business car that me and my ex business partner had but the business partner filled bankruptcy my ex business partner submitted a notarized copy saying she is keeping the car and filled bankruptcy a XXXX XXXX she is on a 5 year plan with a trustee however I submitted my claim and proved them proof I have the email that I submitted my signed notarized letter however they sent me a letter today dated XX/XX/XXXX that I did not submit my information for them and they requested when I did this is not fair and inconvenient
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found several negative accounts listed without supporting evidence of their accuracy. This unverified reporting has negatively impacted my credit and caused significant distress. I am requesting the immediate removal of these accounts due to lack of documentation and compliance with required legal standards.