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

I opened a central bank checking account XX/XX/2023 because there was a promotion that was going on, one of the terms of the promotion was that if i have a direct deposit equivalent to or more than {$500.00}, i would get a bonus, so i set my direct deposit from my work to my central bank checking account with the amount that met the requirement. Then, out of the blue, i could not access the account at all, i called in and if memory serves me correctly, they told me my account was closed by the fraud department because i committed a fraud which i did not. If what they claimed was true, they would had sent the authorities, i would be in cuffs, and had been charged for fraud. But, i didnt commit any fraud and since what i said did not happen, they never had the proof to claim that i committed a fraud, yet they still closed my account. I'm reaching out to CFPB because i believe that they owe me the promotion money that they promised. I already meet the requirement in the promotional terms and condition, it was not my fault that they have an over active system that suddenly flagged me doing fraud when i did not, if i truly committed a fraud, where is the proof? I believe they closed my account after the fact that i met their requirement ( direct deposit from my work of {$500.00} ) was because they did not want to honor the agreement which was to give me the promotional bonus as promised. Banks that promises to give promotional bonus and close their clients accounts after they completed the requirement claiming their clients committed fraud should be investigated, exposed, the way XXXX XXXX did recently.
Product: Credit card

I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 To Whom this may concern, I am writing this letter to dispute the following account ( s ) falsely listed on my credit report with your bureau. My personal information was recently breached. I have highlighted the items in dispute on the attached copy of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a new car on XX/XX/XXXX, from XXXX XXXX XXXX, CA. I got financing with XXXX XXXX. Unfortunately I got an accident on XX/XX/XXXX and my vehicle was total loss. The insurance company, XXXX XXXX, delayed the payment to XXXX XXXX, I was struggled by those two companies. On XX/XX/XXXX I was going to pay the monthly payment due via online system at XXXX XXXX, I used to pay and through online the system. But system was frozen with this account, the other two account is live. I call to customer support center asked to release frozen system for payment, He can not fix anything about my requesting. On XX/XX/XXXX I logged in XXXX XXXX online system for payment. Account with this vehicle was frozen. 
Finally on XX/XX/XXXX Payoff balance check was delivered to XXXX XXXX . On XX/XX/XXXX, My credit report was negative by XXXX XXXX. Late payment was reported. 
Hyundai has to explain to me what happen to my account frozen, and also customer support center reps. has some solution for I requested to pay the payment due. 
I sent a written requesting to XXXX XXXX on XX/XX/XXXX, I do not have any letter from the XXXX XXXX . 

I do have some evidences what I did. 

Appreciated your time and help, Best Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted serval disputes dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requested that an account be properly investigated and properly verified and the method of verification. I have received responses that the account was accurate and updated. I seen no changes made i received no responses of the method of verification. This account in question HAS NOT BEEN PROPERLY VERIFIED OR INVESTIGATED according to the FCRA 611 ( 15 U.S.C. 1681I ) my consumer right have been violated as well as the Health Insurance Portability and Accountability Act of 1996 Section 1173. By improperly verifying this account you are compliant in violating my rights, and will be held accountable if legal action does persist.
Product: Credit card or prepaid card

I attempted to make reservations for a hotel in XXXX on XX/XX/XXXX. I received a text notification that it might be fraudulent. I approved the charge and it when through. 

A subsequent charge was declined and I received a text I had to call to have the card reactivated ( XX/XX/XXXX ). I called XXXX times ( XX/XX/XXXX and XX/XX/XXXX ), each time being placed on hold. Once, someone picked up and told me that that they were unable to help ( XX/XX/XXXX ), then hung up before I could say anything. The other XXXX times, I was disconnected after XXXX minutes on hold with an automated message that no one was available ( XX/XX/XXXX ). 

I also contacted Citi via chat to have the issue addressed. They first told me that my card was working fine, gave me some misinformation about foreign transaction fees, and then told me to call the fraud line. 

I asked for my annual fee to be refunded as I keep this card *only* as a backup for foreign transactions, and with it being unusable and their fraud department being unreachable to resolve this, I am not receiving the service I pay for. One chat agent said they could do this if I wrote back at the right time of day, when I did that, the next agent said it was technically not possible. This wasted more of my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 'Personal Loan ' for 'Transportation/Vehicle ' ( NOT CONSIDERED ) Due to 'Credit Reprt ' ( VICTIM OF FRAUD SINCE XXXX ) US DEPARTMENT OF TREASURY ( IRS WHISTLEBLOWER OFFICE ) Reference Claim Numbers : XXXX, XXXX, XXXX, XXXX ( Dated XX/XX/XXXX ) Based on Previous ( Consumer Financial Protection Agency NON-ACTION )
Product: Credit reporting, credit repair services, or other personal consumer reports

All three reporting agencies are reporting medical information on my Consumer report. This is a HIPPA violation and should be remove from my report.
Product: Checking or savings account

I am writing to file a complaint with Navy federal credit union regarding multiple overdraft fees that i have incurred despite having sufficient funds when 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, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. 
I want the CFPB
Product: Credit reporting or other personal consumer reports

The information listed below, which appears on my credit report, is the result of XXXX XXXX. These fraudulent accounts consist of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my Equifax, XXXX, & XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
XXXX. The purpose is certified in accordance with section XXXX681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 


I have not initiated any transaction with Equifax Mortgage Services, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.
Product: Credit reporting or other personal consumer reports

writing to formally complain about the unauthorized accounts that appear on my credit report, which were initiated without my explicit consent. Despite my multiple attempts to resolve this matter over the past four months, starting in XXXX, I have yet to receive a response or resolution from your company. This inaction is a violation of my rights under both federal and state law. Legal Basis for the Complaint : 73 P.S. 201-1 to 201-9.2 : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report. Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement. Police Report : As required by the aforementioned regulations, I have attached a copy of the police report I filed to substantiate the fraudulent nature of these accounts and inquiries. Request for Immediate Action : I urge you to take immediate action to investigate and remove all unauthorized accounts from my credit report. US DEPT EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX US DEPT ED-XXXX US DEPT EDXXXX
Product: Debt collection

Columbia dba Genesis is trying to collect a debt that I do not owe and is not mine. They continue to report on my XXXX credit report that I owe a debt. My attorney notified them of my bankruptcy. Also according to rental applications it clearly states if denied fees are refunded. Therefore there is no debt. I have never lived at any of the properties they are trying to collect for. I am now forced to reach out to my attorney to file documents with the court to levy sanctions against Genesis. I am also filing a lawsuit for violation of the FDCPA and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report shows a late payment on an account that I was never late on. It is the consumer reporting agencies ' responsibility to report consumer information to the best of their ability. They assumed a vital role to do so with maximum accuracy. I have NEVER been late on payments for the account : 1. XXXX XXXX XXXX Open Date : XX/XX/2022 Please investigate and provide proof with statements showing these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be.
Product: Mortgage

LENDER NOT RELEASING THE LIEN AFTER MORTGAGE PAID OFF : I had a mortgage on my property at XXXX XXXX  XXXX XXXX, XXXX, Florida, that was serviced by SN Servicing Corporation, XXXX XXXX XXXX, XXXX, CA XXXX. Phone ( XXXX ) XXXX XXXX My Loan # XXXX I paid off this loan XX/XX/2022 and this was acknowledged by them. However till today XX/XX/2022 I have not received Satisfaction of mortgage or the lien release recorded with the county. I emailed numerous times and was told up to 2 months from pay off which was XX/XX/XXXX. 

Can you please get them to release the lien and send me the Satisfaction. 
Thank you XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sold my information to other company with someone is using my credit with a different number ending in XXXX witch I never had a number ending in. That at All and information also someone has my information to where I have to switch out all my debit cards and bank account also going to places where I use my number it pops up as other people
Product: Credit card

I WENT ON XX/XX/2016 TO THE ATM MACHINE IN XXXX TX AND I RECIEVE FROM SOCIAL SECURITY {$750.00} A MONTH THE ATM LET ME DO ONE TRANACTION ON MY CARD WHICH COST ME {$300.00} I TRIED TO DO ANOTHER TRANACTION ON MY CARD AND THE ATM DENIED THE TRANSACTION WHEN I GOT HOME I CHECKED MY CARD AGAIN ALL I HAD ON IT WAS {$150.00} LEFT ON MY CARD. WHEN IT SHOULD HAVE BEEN CLOSE TO {$300.00} LEFT OVER FOR A TOTAL OF {$450.00}. ALL I WANT IS THE REST OF MY MONEY FROM DIRECT EXPRESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunio, and XXXX  have continuously verified accounts listed within my consumer credit report as accurate when the accounts in question do not belong to me and are reporting in error. 

The following items should be removed from my report IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   There are also 17 unauthorized hard inquireis listed within my consumer credit report which should be removed also. 

Please note that I have made plans to retain an attorney and provide copies of my police report, credit reports, and written statements if this matter is not resolved with the credit reporting bureaus as they never seem to take any consumers credit serious as they are making money off of this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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.

In accordance with the Fair Credit Reporting act XXXX  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. 


In accordance with the Fair Credit Reporting act XXXX 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.

In accordance with the Fair Credit Reporting act XXXX  XXXX 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. 


In accordance with the Fair Credit Reporting act XXXX  XXXX  CHILD SUP 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 In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX is listed in my credit report. I contacted them many times to validate the debt and ask for proof of purchase agreement. They have failed to provide the proof of the purchase agreement. This needs to be deleted from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have auto payment setup with Bank of America credit card ending with XXXX using my discover checking account. Later I opened Bank of America Checking Account and closed after 6 to 8 months. After that I started using bank of America credit card and suddenly one day I got alert that my bank of America card is past due. When I logged into account all auto payment setup is gone. I checked with customer service agent about my auto payment setup not visible and my credit card has become past due. I requested bank of America customer service to recall my late payment report from credit reporting as deleting auto payment setup issue is on Bank of america system side due to opening of bank of america checking account. Customer service had no clue on this issue. When i requested for recall of late payment of credit reporting there is no action from their side. I requested customer service to setup auto payment again and paid the past due amount. I raised service ticket with bank of america and there is no resolution as of now. hence reaching out consumer finance to resolve my issue since it affected my credit score. 

Let me know if you have any questions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a fraudulent inquiry that appears on my credit report. This inquiry was never authorized by me, and I have no knowledge of it ever being made. It is clear that this is a fraudulent action, and I expect immediate action to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

HIGHLIGHTS -Identity theft Discovered within the last 2/3 years ; has been ongoing for a decade or maybe longer -Fraudulent accounts opened/operated/closed through the years -identity theft.gov proved *negligent* ( my painstakingly thorough case was erased without any progress made within two weeks or so of the complaint date ) -The reporting agency TransUnion has proved *negligent* and doesnt offer any online help re : my need to remove a fraudulent account off of their online service ; to recover my personal access to their services. 

DETAIL Someone opened a TransUnion account with my personal info ; they also enacted a credit freeze that I can not fix. I can not make an account on TransUnion- my personal info is tied up fraudulently with someone elses username and password ( and account recovery options. ) Consequently, I can not apply for credit lines, loans, insurance, etc. 

I have tried to contact TransUnion online I am very much nonverbal, so I can not comfortably have a call with them. 

I would really appreciate some help with this situation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquires into my credit. I called these companies and they said that they can not help me. 

Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Miscellaneous and public record Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX & XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address po box XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address po box XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automotive Contact info Address XXXX HIGHWAY XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Home Furnishing Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I had a stop-loss limit order on LTC-USD in XXXX which executed successfully : Order : XXXX Product : LTC-USD Trade : XXXX My USD account was never credited with the funds. Over a month later after calling support and nothing. Pretty straightforward, the phone rep understood exactly what was going on but couldn't do anything.
Product: Checking or savings account

On XX/XX/XXXX, there was an unauthorized charge of {$250.00} by Audi Financials on my checking account. I contacted the Audi XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX, ( XXXX ) XXXX immediately to try to understand the charge. I left messages with their Financing department and General Manager, but no one has returned my call or reach out as of today. This is a big concern because my XXXX Audi was paid off in full five years ago, and Audi USA notified their customers last year in writing that there had been a database breach. With no help from Audi XXXX XXXX, I contacted my credit union to put a stop payment on the check and reported this incident as a fraudulent charge. And I dont understand why a cancelled check can be redeposit again after five years. 

Currently, I have no loss of money but want to know what had occurred, and what Audi Financials will/can do to safeguard my information. Thank you for your assistance.