23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 I informed Transunion that i was unable to unfreeze or obtain a copy of my credit report, this came after i disputed a lot of inaccurate information and on my credit report, which they refused to remove after proving the information they have is inaccurate. I have been calling and involved with their IT department for since XXXX of 2024 with no resolution, every time I call they say, call back in a few days the problems remains unresolved I am trying to obtain credit and because my account is frozen, no one can access my account and banks and lending institutions can not help me due to Transunion not knowing how or refusing to unfreeze my credit report, I do not know what is on my credit report, What are my options?
Product: Money transfer, virtual currency, or money service

XX/XX/221 Binance.US has my money, I bought cryptos on their platform. Balance at the moment is {$7000.00}
Product: Prepaid card

on XX/XX/year> i went to an atm locate in a XXXX, i had XXXX on my card i made 6 separate withdraws and left XXXX when i checked on my wisely app i saw XXXX withdrew were deducted from my account of XXXX each instead of the 6 times that i made. i called them to dispute they never reply or call or return the money they put account at XXXX they owe me XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called into the XXXX office on XX/XX/XXXX where I signed the contract for the financing and spoke to the finance officer that had me sign the contract. He was clear that there is no other interest amount accrued because I had made both XXXX and XXXX payments on time ( XX/XX/XXXX, XX/XX/XXXX ) and that my XXXX on-time payments in no way should have caused my account to have a higher balance than the {$11000.00} starting amount. There are no late, remaining, other or delinquencies showing. 
It was also previously mentioned ( XXXX ) that the increased and exceeding balance reported to the credit bureaus of {$11000.00} is because there was accruing interest added to the balance of {$11000.00} and in my research that confirmed what I already knew, the balance amounts reported to the credit bureaus DO NOT include interest. The same is true with my mortgage account and previous car account. In fact an Open Account should not show a balance that includes interest. I also checked with the CFPB and read the FCRA. The interest amount is only included in the payments. The balance is always a principle amount when reported to the credit bureaus. The same applies on my Lendmark Statements. It only reports the principle for balance amount. So that magnifies the mystery as to where did that {$11000.00} amount come from For this you have to look at Exhibit XXXX ( attached ) which a snap of a downloaded section of my XXXX Credit report. Looking at Exhibit XXXX the problem becomes obvious as you notice that there are XXXX payments listed under XXXX and XXXX ( XXXX months before contract due date ) that are {$430.00} for each of those months under Scheduled Amount The question became, why are there XXXX scheduled payments entered for XXXX months that no payment is due and right next to those XXXX payment entries for the first and starting payment month ( according to the contract ) is a {$350.00} amount that is also showing an {$430.00} amount paid right above that scheduled {$350.00} amount. Then the next question is, why is a scheduled payment amount entered and not showing a paid amount but better than that why are there payment entries entered for XXXX months that are not in the contracts start or first payment agreement. By agreement, it means that I signed a loan or contract document that indicted when the XXXX payment should be made on XX/XX/XXXX, but then the same company that should have the same signed contract has recorded XXXX {$430.00} payments in the scheduled section of the credit reporting, that only proves that either the signed contract is being ignored or something else is going on. XXXX thing for sure and has been confirmed, that {$430.00} amount was only supposed to be recorded for the month of XXXX and was my first payment amount and the {$350.00} amount entered as scheduled for XXXX should also be {$430.00} ( remove {$350.00} for XXXX scheduled payment entry it should be {$430.00} ) - that is according to the contract. The terms of my signed contract and whats on my monthly statements has been reported very different to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX incorrect fraudulent accounts in my report. I have sent many disputes to Experian and they ignore it, violating my rights.
Product: Credit reporting or other personal consumer reports

Incorrect hard inquiries on my report violate 15 USC 16c-2. I didnt approve these, and theyre negatively impacting my credit. Please delete any unauthorized entries. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern, The account name XXXX XXXX  with the number XXXX appeared on my personal credit report on XX/XX/2022. When I was alerted of the account via email, I contacted XXXX bank to inquire about the account on XX/XX/2022 and XX/XX/2022. The customer service representatives I spoke to said that this account belongs to my former employer. My employment with the company ended on XX/XX/2022. XXXX bank claims that I am personally liable for my former employers debt but refuses to provide evidence supporting this claim. There is no record of a signed personal guarantee or co-signer agreement and XXXX has not provided any proof that I am liable for this account despite my numerous requests. The last customer service representative I spoke to at XXXX recommended I dispute the account to the XXXX credit bureaus, which I have done. XXXX appears to have removed the account from my file but the account is still on my Experian and XXXX files. I would like this account removed from my personal credit files at all three credit bureaus since it is not my account and I am not personally liable for the account. 

Thank you
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Violation of Consumer Rights, Privacy Act, FCRA, and Consumer Protection Act I am writing to officially register a complaint against [ Credit Reporting Agencies Attached to this complaint / Financial Institution attached to this complaint ] for significant violations of my consumer rights, privacy act rights, the Fair Credit Reporting Act ( FCRA ), and the Consumer Protection Act. This complaint is submitted in accordance with the relevant legal provisions and is based on the following grounds : 1. **FCRA Violations : ** - As a federally protected consumer, I hereby exercise my right to opt out of any and all authorization for the disclosure of my nonpublic personal information, in accordance with 15 USC 6802.

- Per 15 USC 6803, [ Financial Institution attaches to this complaint ] failed to provide the required notice or disclosure regarding the sharing or selling of my private information to non-affiliated agencies, such as consumer reporting agencies. 

2. **Consumer Reporting Agencies ( CRA ) Violations : ** - [ Credit Reporting Agencies , e.g., Lexis Nexus, XXXX XXXX, XXXX XXXX, are non-affiliated third-party entities that have violated my privacy by accessing and sharing my personal information without explicit consent. 

3. **Privacy Act Violations : ** - Violation of my rights under the Privacy Act ( 5 USC 552a ) by [ Financial Institutions and CRAs ] through the willful sale and sharing of my nonpublic information without proper permission and notice.

4. **FCRA Compliance Failures : ** - [ Credit Reporting Agencies and Financial Institutions ] failed to maintain reasonable procedures to ensure users had permissible purposes for accessing reports, assure maximum possible accuracy, and provide FCRA-mandated User Notices.

5. **CFPB Enforcement Action : ** - Reference to the recent enforcement action against XXXX by the Consumer Financial Protection Bureau XXXX CFPB ) on XX/XX/2022, highlighting concerns about the industry 's compliance with the law. 

XXXX. **Damages and Legal Remedies : ** - Due to the failure to honor my opt-out requests per 15 USC 6802, I have suffered traumatic emotional, financial, and physical damages, necessitating legal redress.

7. **15 USC 1681n- Civil Liability : ** - Pursuant to 15 USC 1681n , I seek civil liability for willful noncompliance, including actual damages, punitive damages, and legal costs.

8. **Dodd-Frank Act Violations : ** - Asserting that [ Credit Reporting Agencies and Financial Institutions ] are engaging in deceptive acts or practices, violating consumer financial laws under the Dodd-Frank Wall Street Reform and Consumer Protection Act. 

In consideration of the aforementioned violations, I request a thorough investigation into this matter and a detailed response outlining the corrective actions taken. Attached herewith are supporting documents demonstrating the unauthorized sharing of my personal information. 

I am prepared to pursue legal avenues for resolution if necessary. Your immediate attention to this matter is appreciated, and I anticipate a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months, I have repeatedly asked XXXX XXXX XXXX XXXX XXXX, XXXX and Experian to objectively resolve my credit issues relative to the hard inquiries which shouldve been reported as promotional or soft inquiries. I have reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. 
Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX and XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.
Product: Credit reporting or other personal consumer reports

This is the XXXX times I've complained about being a victim of identity theft. The credit Bureaus must remove these accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$630.00}
Product: Debt collection

I received a letter dated XX/XX/2024 regarding a debt from Central Portfolio Control stating the current creditor XXXX XXXX XXXX for a balance of {$3800.00}. I responded to the letter on XX/XX/2024 asking them to provide me information to validate the debt belonged to me since I have experienced identity theft in the past. This information wasnt provided nor did Central Portfolio Control respond back to my request dated XXXX, however the information was reported on XXXX, XXXX and XXXX reports as a collection.
Product: Mortgage

I'm XXXX XXXX complains is about a mortgage loan payment. 
I requested rein quote to bring delinquent payment current from XXXX XX/XX/XXXX for {$37000.00} in XXXX of XXXX XXXX dollars was sent and cashed XXXX XXXX {$35000.00} received and cash through fay servicing. from XX/XX/XXXX the money that was sent for rein has been accepted to satisfy delinquent payments I have not received conframation. That delinquent payment has been satisfied.i was told that the money is in consideration. 
As per conversation XX/XX/XXXX. To date i requested rein and had sent money to be applied toward delinquent payments and a letter satisfication.bring all payment current. 
As statement reflect next payment due XXXX 
I have talked with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX employee of fay servicing. 
Fay servicing XXXX XXXX XXXX.
Product: Vehicle loan or lease

XX/XX/XXXX Sunday morning and I need to get my car payment receipt also all the monthly statement are missing. The XXXX XXXX XXXX original loan is being sent to the finance manager to get a new one. But the payment is being sent to the address on the wrong contacted the bank has been receiving the payment and XXXX customer service is being sent to the different codes for the capital one Auto finance. They have 2 different codes for the same company. I don't know what number is being held at the moment. XXXX XXXX XXXX XXXX. The payment is being sent to the wrong code then who's car I've been paying all this time
Product: Payday loan, title loan, personal loan, or advance loan

I only got a loan for {$600.00} but I owe them, {$1200.00} as of today. They are offering for me to pay {$150.00} in my next 4 paydays but what happened to all the money I already paid towards the loan? Where it is? And why hasnt the balance gone down?
Product: Checking or savings account

Dear Sir- I have a Certificate of Deposit with Citizens Access banking with account no ending with XXXX. 

I initiated closure of the CD, and transfer to an external bank more than a week ago, and the transfer was accepted by Citizens Access. However, even after a week, I show that the transfer process has not even begun. 

Due to this, I am unable to cover a number of expenses, which is causing me a lot of stress. 

This is not the first time this has happened. Several months ago, when I had to pay my son 's tuition fees for college, I closed this same CD and initiated an external transfer. Though the transfer was accepted online, the money was transferred. Back then, Citizens Bank called me after several days, saying there would be a penalty incurred. I had to tell them that their bank did not honor the transfer on time, due to which the transfer had to be done after the grace period. 

The bank did not accept the explanation, and that resulted in me borrowing money from outside. 

This bank does the same trick again, making it extremely difficult or impossible to get money out of my CD deposit. Right now, I need to pay my mortgage, but this bank 's actions, or lack thereof, are going to make it impossible for me to transfer my money. 

I am not the only consumer who is facing issues with Citizens Access Bank. Several other consumers have voiced their frustration over eerily similar issues with this bank. 

I request the authorities to investigate this case and also the bank 's practices that are causing stress to me and potentially to other consumers as well. 

Please feel free to contact me in reply to this email or at my address or phone # below. 

Thank you, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MA XXXX XXXX XXXX
Product: Mortgage

my deceased uncle died a year after his wife. Im trying to obtain successor of ownership upon obtain ownership and calling different companies to get information which was unfortunately to now availability the house went into for closure me and my spouse had been living in the dwelling prior to foreclosure utilities and the making of repairs was my obligation 's. I'm now in litigation as in the sale of deed of trust. In making the effete to gain ownership wit all paperwork in hand I was sent to XXXX  and all paperwork was stolen from the house along with all my property and any info concerning ownership or occupation we had. I have only with me the note and mortgage papers. Is there any proper way I can go about this situation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I made payment less than amount owe but by XX/XX/2023. I didnt pay full amount but made a payment before the 30 day ' mark. I made a payment capital one they didnt post it until later. I was not late.
Product: Credit reporting or other personal consumer reports

The company Bank of American had reported a 30 late claim to XXXX XXXX this was the first late payment in over XXXXen or more years.Payment was sent but was not credit to my account i do my banking on line. i always pay WAY over the rerequired amount so they said they would send letter to XXXX XXXX and have it removed which they said they have done serveal times this has ben going on for two months and is affecting my credit rating the problems to be tran union.I put in a dispute they said they have have never recived a letter yet i was told on XXXX they had the letter and it would come off my credit report in two week which it has not.Please help with this matter thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have an ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Again, Im sending over a new Identity Theft Report XXXX XXXXXXXX. Ive already included this issue in a previous complaint & I am including it again here. Ive informed my attorney of my intentions & they are excited to hold you accountable in an event of your willful noncompliance : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Owed : {$1400.00} XXXX XXXXXXXX XXXX  XXXX, AZ XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$150.00}. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.
Product: Debt collection

XX/XX/2010. I got a phone message from a number represented on my phone as being from XXXX Oregon the number is XXXX. XXXX is a small coastal town very close to where my Mother lives. In the message they state that I had made arrangements on a " matter '' but those arrangements were now over and I needed to call them. In reality there were NO arrangements made for anything. It was a lie. And they spoofed a number. This was deceptive and my info has been compromised in at least three data breeches and displayed on the dark web.
Product: Credit reporting or other personal consumer reports

I am filling FTC Identity Theft to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. COLLECTION opened at XXXX XXXX {$470.00} on XX/XX/XXXX COLLECTION opened at XXXX XXXX XXXX {$470.00} on XX/XX/XXXX COLLECTION opened at XXXX XXXX XXXX  {$830.00} on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Checking or savings account

I received a letter from Discover saying my application for a Discover Bank was canceled. I NEVER opened an account. I have so many alerts ( freezes ) on XXXX, XXXX and XXXX. I also have XXXX, XXXX XXXX  XXXX and other measures in place and accounts are continuously being open!!! This needs to stop!! They are being opened under my maiden name and being sent to my old address from over XXXX years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent XXXX {$150.00}
Product: Vehicle loan or lease

I paid off my vehicle in XX/XX/2009 and I'm now finding out that company never released the lien on the title. The company is now out of business. Please help, any assistance will be greatly appreciated. Thank you.
Product: Checking or savings account

I applied for an account within the XXXX XXXX ( First National Bank of Omaha ). I was denied an account and given a boilerplate response. I want to know why I was denied creating an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that 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 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination.

Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
CITI XXXX Date Opened : XX/XX/ Balance : {$20000.00}
Product: Credit card or prepaid card

On XX/XX/2022 and XX/XX/2022 I inadvertently made two payments for the same amount ( {$1400.00} ) to my Capitol One Venture Card. 

When I realized the problem and checked my account, sure enough, I had a credit of that amount. 

I called to asked if I could either transfer those funds to my checking account ( the one tied to the credit card ) or use the funds to cover new charges. I was told, No, the only way you can recover those funds is by Capitol One sending you a paper checka process that will take approximately 14 days. 

If one adds the time it will take to cash the check and have access to the funds, Capitol One will be able to have access to the float for 17 days. 

Really?! Thats legal?