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

I opened a Business account with US Bank about a month ago. Opening an account doesn't take a lot of time but setting up the account and connecting it to work with your personal accounts for incoming and outgoing funds takes a lot of time and effort to setup. They sent me a letter yesterday ( it's dated XX/XX/XXXX but I didn't get it until XXXX ) that they're randomly closing the account. I have two complaints with this ... if they want to close an account of mine, fine. I'll find a better bank to do business with but they should be required to at least give you a reason as to why they're closing it. They won't tell me any reason why. Only thing I've done is open the account, and transfer money in and out a few times to see how long it takes and ensure it's setup correctly between my other personal banks ... my second complaint is, they should have to give a minimum of 30 days notice before closing an account. There's too much stuff connected to an account to just randomly close it... they are supposedly giving me until the XX/XX/XXXX to get the funds out but I'm leaving for vacation and will be gone that whole time. A weeks notice isn't sufficient notice to close an account when there's so many steps involved in moving the money out and setting up other accounts. 

1 ) The reason why they chose to close it should be mandatory ... even if you don't agree, you would at least know why the bank decided to close it. When you're entering into business with a company, they should have the common decency to at least tell you why they chose to stop the agreement. It's a lot of effort on the consumer part to end up not even knowing why ... and it could cause some to default or be late on their debts. 

2 ) A minimum of 30 days should be required since there's so much involved after a bank randomly decides to close your account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered an account for " XXXX '' that is a personal loan of some type. I have no knowledge of this account. According to XXXX, the account was opened in XX/XX/XXXX for {$11000.00}. It was charged off in XX/XX/XXXX and " closed '' in XX/XX/XXXX. The report does indicate that the first payment was never received. My data was subject to the breach of the Office of Personnel Management as a federal employee and my file was affected by the XXXX XXXX believe that this account is fraud because I have no knowledge of it. I don't know how to prove a negative. I don't have paperwork on this loan. I just don't know anything about it. Even though it has been " charged off '', the balance increases monthly. It is now up to {$19000.00}. I have disputed this as fraud with all three credit bureaus multiple times to no avail. I have disputed it with the merchant and received no response.
Product: Checking or savings account

Wells fargo told me there was an issue with my check, and they deposited my check of XXXX $ and did not return the funds to me after they closed my account. They also didnt provide proof that the funds were returned to bank issuing the check. 

Wells Fargo XXXX XXXX told me they needed a notarized lettered. 

I have provided a notarized letter from the maker saying this check is legit and sent to me Loss prevention then said they want their makers bank to file a claim to get the funds back. 

the maker called their bank and their bank says they cant file a claim on a cleared check Please tells Wells Fargo to send me the funds back
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX  helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was transferred from XXXXXXXX XXXX to XXXX XXXX. I received notice of the change in XX/XX/XXXX. I have made all of my payments on time to both companies. 

My credit score decreased anywhere from 17 to 20 points because XXXXXXXX XXXX   shows my account as being closed and not transferred. XXXX XXXX does not show up on my credit report at all. 

The information is inaccurate and needs to be updated. 

Date of Loan XX/XX/XXXX Date Loan was sold to new lender : XX/XX/XXXX Prior Loan Number ( XXXX XXXX ) XXXX XXXX XXXX Loan Number XXXX My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX - Account # XXXX - Inaccurate ACCOUNT NUMBER and Status of {$25000.00} AMOUNT PAST DUE and CHARGE-OFF Reporting SHOWING CLOSED ACCOUNT BUT POSTING LATE PAYMENTS XXXX XXXX XXXX, THEN CHARGE OFF DATE UNKNOWN THEN AMOUNT PAST DUE, NO CHARGE OFF ACCOUNT CAN HAVE A PAST DUE AMOUNT OR REPORTED PAST DUE AMOUNT. FCRA 609 ( a ) and FCRA 611 ( a ) ( 2 ) Violation. XXXXXXXX XXXXL - Account # XXXX - Inaccurate Account Number and Status of {$24000.00} AMOUNT PAST DUE and CHARGE-OFF Reporting SHOWING CLOSED ACCOUNT BUT POSTING LATE PAYMENTS XXXX XXXX XXXX, THEN CHARGE OFF DATE UNKNOWN THEN AMOUNT PAST DUE, NO CHARGE OFF ACCOUNT CAN HAVE A PAST DUE AMOUNT OR REPORTED PAST DUE AMOUNT. FCRA 609 ( a ) and FCRA 611 ( a ) ( 2 ) Violation. 
ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A DEBT ALLEGED.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Transunions Unathorized Reporting of Personal Information Dear Consumer Financial Protection Bureau I am writing to file a formal complaint against transunion, a credit reporting agency, for what I believe to be a violation of consumer law as outlined in 16 U.S. Code 1681b ( a ) ( 2 ). I am deeply concerned about the unauthorized reporting of my personal information without my consent, which is a clear breach of my rights as a consumer under the Fair Cresit Reporting Act ( FCRA ) I have never authorized Transunion to collect or report this information. This Unathorized reporting has had a negative effect on my credit profile and financial standing, potentially affecting my ability to secure loans, housing, or employment I have made multiple attempts to contact Transunion to rectify this situation, but I have not received a satisfactory response or resolution from them I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Transunion complied with federal appropriate action to ensure that Transunion complied with federal consumer protection laws. Furthermore, I would appreciate if you could keep me informed about the progress and outcome of your investigation Enclosed with this complaint are copies of relevant documents. I appreciate your prompt attention to this matter and your commitment to uphold consumer rights. 

Thank you for your assistance on this matter Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Complaint Against Reporting Entity for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUION Information Solutions , Inc. ( hereinafter referred to as " TRANSUNION '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXX, I, as a XXXX XXXX, sent a certified letter to On XX/XX/XXXX, I, as a XXXX XXXX, sent a certified letter to TRANSUNION questing the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to XXXX XXXX XXXX which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$560.00}. The FCRA mandates that the credit bureau, in this case, TRANSUNION must ensure the accuracy and completeness of the information they report. 

We are filing this complaint on behalf of our client, who is experiencing issues with a closed account reporting negative information on their credit report. Pursuant to our efforts to address this matter, we sent a Validation of Debt letter to the reporting entity, as allowed under the FCRA. Despite our repeated attempts, we have not received any response from the reporting entity. 

This lack of cooperation is a clear violation of our client 's rights under the FCRA, particularly under the following sections : FCRA Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to promptly investigate disputes regarding the completeness or accuracy of any information provided by a consumer and to correct or remove any inaccurate information. 

FCRA Section 623 ( a ) ( 2 ) : This section mandates furnishers of information to report accurately and prohibits the reporting of information that they know or have reasonable cause to believe is inaccurate. 

Enclosed, please find a copy of the Validation of Debt letter we sent to the reporting entity, along with proof of delivery. We believe that our client 's rights have been willfully neglected, and we seek the intervention of the Consumer Financial Protection Bureau to ensure a fair resolution in accordance with the FCRA. 

We kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, compelling the reporting entity to respond appropriately and take corrective action. We appreciate your prompt attention to this issue and look forward to a swift resolution. 

If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your commitment to protecting consumers ' rights and ensuring the fair implementation of the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Unable to link checking account issued by PNC with XXXX Online Payment Portal to pay rent.
Product: Mortgage

I contacted Volunteer Mortgage Loan Servicing the end of XXXX of this year to make sure that my mortgage insurance will decrease according to my principal and will reflect on escrow analysis. A supervisor assured me that this would happen and it didn't. It decreased by {$.00} as if I had paid the minimum monthly payments all year, but I had my principal down almost {$20000.00}. I emailed them months ago because they were not accepting calls, and I don't think they replied. I called them in XXXX, and they answered. The rep told that they get their numbers from HUD. I contacted HUD and they said to contact your agency. It just seems like I'm getting the runaround and no one wants to get the bottom of my concern/request. It's very frustrating that I have to go through for something that I feel like should already be happened. The amortization schedule that my closing attorney gave me shows that my mortgage insurance should have decreased by almost {$13.00}. I want to get this rectified because I am continuing to pay extra on my principal, and I don't want to have to go through this again next year.
Product: Checking or savings account

There has been fraud or a baking issue with the app called Cash App Tuesday morning around XXXXXXXX XXXX. I made a transfer from my savings into my account of XXXX dollars following after I made a payment at XXXX at this current time. I had {$500.00} in my savings account. Around XXXX XXXX Tuesday morning I received a deposit of XXXX. Following that deposit, I made a transaction into my savings account of {$700.00}. At this time I noticed that my savings account didnt update or calculate my total finance adding up to which should be {$1200.00}. My account was never updated, so I removed the money that I added noticing that there was no change I took all the money out of my savings into my account to see if the current calculations were correct. At this moment, I noticed that they were not my account was only updated to XXXX. I reached out to the company. They repeatedly told me that they have no further information that they can not access it. The correct information to even help me the manager of the company and I only talk to you via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute fraudulent charges on my account. I am a victim of identity theft. The charges on my account were not authorized. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amount be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the law USC 1681 and USC1681s2 my rights were violated.By law I have a right to privacy. 


XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Claim XXXX My account was compromised and my information stolen there was a transaction done for a withdrawal in the amount of XXXX. I have filed a police report and it was determined according to the authorities that someone stole my information and withdrew funds from my account. Wells Fargo denied my claim within less than 24 hours without properly investigating the claim. XXXX the claims adjusters blatantly lied and said the claim was denied because the transaction was done in branch but it was actually done at the drive thru. When I called the branch and spoke with XXXX he stated there is no way to know where it was done and the drive thru and in the branch would both state the same. It is up to a Wells Fargo to investigate fully and provide their customers with adequate information regarding the investigation and not lie. As a customer I am appalled that my claim was handled unfairly and not according to banking guidelines and federal government regulations.
Product: Debt collection

I opened an account with great American finance company XX/XX/2013. Under the contract if balance was paid within one year there would be no interest charged. I paid the the account in full on the last day of the yr term. I later received notice from the company that they did not process the payment until the following day, and stated that because of this the finance charges were added to the account balance. I have attempted to dispute these charges with the company and their response has been that they are unsure of why the payment was not posted on the day I submitted it, ( which would have resulted in no finance charges ) they attribute it to a system error, yet failed to fix the issue and zero out the account. This account should not be reported on my credit report as a negative account because I paid in full according to the terms.
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. 

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  and list of Inquiries. 


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: Credit card or prepaid card

I never signed up for a citi bank credit card, but my ex somehow has me on his account and a card in my name that is reporting on myour credit score ... it went through collections and was charged off and I have not one thing to do.with it. I have called and can not get any information as to why this was allowed, how it happened, and how I can resolve it.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery is trying to collect on a debt that was discharged by the Federal Government.

See attached 1099 c. Portfolio Recovery does not investigate the debt before it starts collection activity.
Product: Credit card or prepaid card

In 2017 I opened a credit card with Navy Federay Credit union. The advertise a program for Senior enlisted Military personel where your transfer balances are intrest free for a year an purchases are intrest free for 6 months. I never checked behind Navy Federal to ensure that this was completed because Navy Federal is normally on point. It wasnt until it was brought to my attention by a Navy Federal loan representative after applying for a loan that I was not receiving my benefits. The representative immediately had me provide documentation of my rank an submitted the paperwork to have my account credited back the intrest I was charged. Navy federalcrefit card back office denied the claim an stated that since it had been over a year since the mistake they will not do anything an claimed that I opened the account online, when I spoke with a representative to open account because at the time, navy federal had allowed my exhusband had fraudulently added me on his account an we were fixing it on line.
Product: Credit card or prepaid card

I paid the card off in XX/XX/2020, they sent me a refund check for over payment on XX/XX/XXXX for {$150.00}. I was later ask to pay a different amount because they sent the wrong amount to me, yet I could not access the account because they closed it due to being paid off and the company went out of business. Now they have harmed my credit and refuse to work with me. They just sent the first bill yesterday XX/XX/XXXX saying I owe them money again, said I have missed payments and have late fees on a balance I was never shown how they got to.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear ACIMA DIGITAL FKA, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the Texas Finance Code under Sections 392.301 and 392.305, as well as Texas Penal Code Section 32.51 , which pertains to identity fraud. 

It has come to my attention that ACIMA DIGITAL FKA has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities.

Furthermore, Texas law under Section 392.301 of the Texas Finance Code prohibits the reporting of consumer credit information without proper consent. Additionally, Section 392.305 provides specific regulations to ensure fair and accurate credit reporting practices. Texas Penal Code Section 32.51, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information.

I have not provided consent for ACIMA DIGITAL FKA to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers.

I hereby demand that ACIMA DIGITAL FKA immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the Texas Finance Code ( Sections 392.301 and 392.305 ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under Texas Penal Code Section 32.51 for identity fraud.

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring ACIMA DIGITAL FKA into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices.

This notice is given in good faith with the expectation that ACIMA DIGITAL FKA will swiftly correct these violations and respect my rights under the law.
Product: Money transfer, virtual currency, or money service

XXXX was taken from my account on cash app I called them instantly and said I did not authorize it to be sent and did not know this person and they have done nothing for 6 days now that person has been running around free time blow all my money instead of putting a hold on it till they investigate like they should have but is obvious I did not want them to have it I even called police and nothing done
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX  XXXX {$600.00} XXXX XXXX XXXX {$550.00} US DEPT ED XXXX {$530.00} USDOE/XXXX   XXXX {$4900.00}