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

Dear Sir or Madam, Back in XXXX, when my wife and I were trying to receive XXXX gift from our families abroad to put a down payment for our first home purchase, our family in XXXX used a money exchange company to send the money to our Bank of America account. 

It looks, due to the XXXX sanctions, the money transfer company did not use the global wire or swift system, and instead did it through bartering. 

After noticing some cash deposits in our account, Bank of America called us and asked if we know the people who made those deposits. We told the story and gave them full authority to investigate the case and if needed return the money to the people. 

On XXXX XXXX, we both received letters from Bank of America saying they have decided to close our accounts. 

We asked for the reason, but was told the bank has the rights to end her business with us anytime they want and is not obliged to give us the reason. 

We accept that, but asked BoA to give us any kind of documents or evidence of blocking that XXXX so our parents back in XXXX can take the money exchange company to curt and ask for the refund. 

Since then, we have not received any update or answer from Bank of America. 
They simply ignore us, and despite calling more than XXXX times to people who we are told are working on our case, we have not heard a word. 

BoA even kept the sum of $ XXXX in my wife 's saving account which has had nothing to do with that disputed deposits. 

It is so frustrating to see that how Bank of America instead of treating us as victims, incriminating us, most likely profiling us because our relations to XXXX, and treating us with ultimate ignorance. 

And all of this has happened after we both were loyal costumers of BoA for more that 5 years, and have got excellent records with them.
Product: Credit reporting or other personal consumer reports

I'm requesting that the following Hard Inquiry be removed from my TransUnion Credit Report. It was run under false pretenses and misrepresentation, and therefore without my proper authorization. 

XXXX XXXX XXXX via XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Requested On XX/XX/2024 ( XXXX ) XXXX I contacted the XXXX XXXX XXXX for a personal loan. I requested a {$1000.00} Signature Loan, short term ( 1 yr. ), unsecured. I asked the loan officer specific questions. I wanted to feel certain that the loan would meet all my needs and requirements, as well as AAECs approval terms. According to the loan officer, the required minimum credit score for a signature loan was XXXX. At that time my credit score was over XXXX. I was guaranteed loan approval, pending receipt of income verification, a valid ID, and XXXX personal reference. Therefore, based on the information I was provided with, I gave authorization to run my credit report and a HARD INQUIRY. 
Less than XXXX minutes later my loan was approved. However, I was extremely upset when suddenly told that a Co-signer was necessary. Prior to authorizing a Credit Check, the loan officer NEVER mentioned the need for a co-signer. 
XXXX XXXX XXXX XXXX. I would NEVER want, nor would I agree to any loan requiring a co-signer. The loan XXXX clearly understood this from the beginning. Therefore, I was misled, whether deliberately or not. She had a responsibility to fully inform me of any possible need for a cosigner on a Signature Loan. If I had been told about the possible need for a co-signer, I wouldn't have moved forward with the loan, and would NOT have authorized running my credit report, which significantly lowered my credit score. 
Therefore, this hard inquiry was unnecessary, and it was the result of deliberate misrepresentation, false pretenses, and poor information provided to me by the loan officer. For this reason, Im respectfully asking TransUnion to remove this Hard Inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

I disputed incorrect information on my Early Warning report, requested a full investigation and a deletion of the incorrect accounts but did not receive any. Although I provided all the necessary information required by law on my part. 

Under Section 611 of the FCRA, consumers have the right when it comes to disputing items on their Early Warning reports. Section 611 is often referred to as the " Reinvestigation of Disputed Information '' section.

In accordance with the Fair Credit Reporting Act The XXXX XXXX  XXXX # : XXXX / XXXX account has violated my rights. 15 U.S. Code 1681c2 - Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. If Early Warning can provide any exceptions to this section of the law then they shall provide me with a clear reasoning. I request color copies of my Identification including my Social Security Card used to open this account. If Early Warning can not satisfy any of these requests or follow any of these consumer laws, then these incorrect items must be deleted and blocked from my file.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from any credit report, immediately : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
The Following have violated my rights : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states consumer reporting agency can not furnish an account with my written concern.

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: Debt collection

Mr./Ms. XXXX : I am in receipt of your letter dated XX/XX/XXXX. This letter serves to inform you that I dispute the validity of the {$19.00}, XXXX debt alleged by New York State for the following reasons : - My accountant has twice submitted the tax returns in question to New York State ; the original tax due was {$9500.00} and New York State collected a payment in XXXX of {$3600.00}. New York State did not apply the payment to the tax due, therefore applying it in the most disadvantageous way possible to me - New York State Tax & amp ; Finance has been completely unresponsive to my efforts to settle the tax debt for a reasonable sum. They have refused to communicate with me or my accountant and claim, despite assessing the inaccurate, usury sum owed that they are unable to locate my filed returns - I contacted the New York State Taxpayer Advocate for assistance due to the Tax &  amp ; Finance Departments lack of cooperation. They sent me one letter but refused to return multiple phone calls from my attorney and I seeking to provide additional information - The penalties and fees included in New York States assessment are not only usury but violation of the Eighth Amendments protection against excessive fines I am retaining counsel to challenge this matter in state court. I am also, today, filing a complaint against your company with the Consumer Financial Protection Board. Your company contacted me after normal business hours at XXXX XXXX on XX/XX/XXXX. Be advised you are not authorized to contact anyone but me to discuss this alleged debt. You may contact me on at XXXX XXXX during regular business hours of XXXX XXXX and XXXX XXXX Eastern Standard/Daylight time. 
If Performant and New York State are interested in quickly resolving this matter, I will agree to pay {$6500.00} within 30 business days if Performant and New York State release me in writing from any further fines, penalties, liens, warrants and/or collection attempts.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, Experian, and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, Experian, and Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, their actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax, Experian, and Transunion complies with federal law and provides consumers with the necessary proof of investigation.

Also, I request deletion of fraudulent items and information within 30 days as outlined in pursuant to FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers-Information Available to Victims.
Product: Checking or savings account

On XX/XX/2023 Wells Fargo Bank closed my account. Im unsure of the reason when I was Actively using the account.
Product: Mortgage

I contacted PennyMac on XX/XX/XXXX to let them know as of XX/XX/XXXX my XXXX ratio is 77.34 % and when will my loan balance reflect that because PMI should be removed. They responded also on the XXXX that prelims reflects this for Original Value and that I need to order an interior/exterior valuation at my cost. I responded back to them on this same day that it should be automatically deleted according to XXXX of XXXX once XXXX reaches 78 % and mine is currently 77.34 %. So I consented to the valuation this same day even though I dont agree with it. 

Around XXXX on Thursday XXXX XXXX, I called pennymac and spoke with a Rep that stated I needed to make a payment so that my mortgage was current. I was confused and told him my mortgage has always been current. He said on their end that my XXXX was 78 %. I told him that was incorrect it should be 77.34 %, I purchased my home at $ XXXX not $ XXXX as he stated. He said it had to be current for XX/XX/XXXX. I had withdrawal set for XX/XX/XXXX, but instead paid it on the XX/XX/XXXX, with additional pymt based on what he said. This further dropped my XXXX to 77.06 %. He created a ticket and submitted so that the issue could be investigated. 

On XX/XX/XXXX, pennymac responded that the PMI will not automatically be deleted until the Auto termination date has been met and they need to verify that my property has not decreased in value. On the same day I sent a message back saying that I paid {$190.00} for a valuation, even though I dont agree this. 

On XX/XX/XXXX, they sent message saying that my information was forwarded to another department so a valuation could be ordered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts showing that I have late payments or delinquent payments which is inaccurate. 

XXXX XXXX XXXX ( Late Payment ) XXXX  XXXX ( Late Payments/ Delinquent ) XXXX  XXXX ( Late Payments/ Delinquent )
Product: Debt collection

My credit file shows a collection from your agency. I was never notified of this collection. Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt.
Product: Money transfer, virtual currency, or money service

Cashapp been having my money since they are no real agent or ppl to get my disputed transaction that i didnt make i never received my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from the UNITED STATES BANKRUPTCY COURT XXXXOR THE EASTERN DISTRICT OF VIRGINIA OFFICE OF THE CLERK XXXX XXXX XXXX XXXX XXXX XXXX  VIRGINIA XXXX. THE BANKRUPTCY CLERK STATETED IN THE LETTER THEY DO NOT VERIFY INFORMATION WITH CREDIT REPORTING AGENCIES. ALSO, THEY DO NOT REPORT INFORMTION TO CREDIT REPORTING AGENCIES OR XXXX XXXX. SO HOW WAS THIS ACCOUNT VERIFIED???? 

NAME : XXXX XXXX XXXX : # XXXX ADRESS : XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX *DELETE THE XXXX XXXX BANKRUPTCY FROM THE XXXX XXXX XXXX XXXX  THATS BEING REPORTD ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

In am a victim of Identity Theft and Inaccurate information reported by TransUnion. After reviewing my credit reports with TransUnion. I noticed XXXX account that are XXXX XXXX accounts that was deleted on XX/XX/year> XXXX by TransUnion # XXXX XXXX XXXX -Account Number # XXXXCurrent Balance XXXX XXXX XXXX XXXX XXXX XXXX -Account Number # XXXX Current Balance {$25000.00}, and XXXX XXXX XXXX Account Number # XXXX Current Balance {$440.00} this inaccurate information is still reporting on my TransUnion Report. This in issue of material fact. There is no doubt that evidence is sufficient and is a genuine is of material fact must be resolved against TransUnion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these items. Congress enacted the FCRA to protect consumer ensuring fair and accurate credit Reporting 15 U.S.C 168 ( a ) ( 1 ). Entities that report information about consumers to credit reporting agencies are called Data furnishers from reporting inaccurate information to CRAs 15 U.S.C 1681s-2 ( a ) -1681s-2 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
I have attached Evidence in this complaint, please see attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are fraudulent on my following accounts : XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX/XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX been a mayor nightmare XXXX unable to buy my car because I have inquiries XXXX XXXX XXXX XXXX, I have accounts that I was authorize user and was not aware of and I have asked numerous times for them to be removes. 

XXXX- not my problem belongs to company take me OFF XXXX credit authorize user XXXX XXXX all of them Authorize user XXXX XXXX Authorize user XXXX authorized user all of them the main account holder has gone into credit payment issue and I'm being penalized I have requested these accounts off my credit 8 times this year alone
Product: Checking or savings account

On XX/XX/2023 I received an email from XXXX stating a transaction in the amount of {$820.00} was approved. I immediately called the number on the email. I was told there were several loans being applied for as well. I was instructed to go to an ATM do several transactions in order to track the person doing this. The total amount of transactions is {$5000.00}. ( I have been under extreme stress which XXXX said it can cause you to do things out of character ). I was told it would be back in my account in 30 minutes. 
Driving home it all hit me that I was scammed. I immediately called the bank to stop it. They said I had to wait till it was no longer pending. Next day I filled a fraud issue. 10 days later they denied giving me the money back. I am a senior citizen on a fixed income. I've been with this bank a very long time and I feel they failed to protect me and all the money I had to my name. I was also denied an appeal.
Product: Payday loan, title loan, or personal loan

I tried to pay them but they rejected my payments saying I had insufficient funds, however, I have documentation that I had nearly twice the funds available in my account. They did this on two occasions, charging me {$30.00} fees and refusing to refund those fees. If theyre doing this to me theyre doing it to many people. On one occasion I attempted to pay {$1400.00} with {$3300.00} in my account, and on the second occasion I attempted to pay {$240.00} with over {$9000.00} in my account. I didnt have insufficient funds, but they did it to charge me extra fees. I took the loan out XX/XX/23 and made the first {$1400.00} payment XX/XX/23 and paid in full by XX/XX/23.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear LOCKHART, MORRIS & MONT, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside Missouri identity theft fraud laws, specifically Missouri Revised Statutes Section 570.223. 

It has unequivocally come to my attention that LOCKHART, MORRIS & MONT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, specifically Missouri Revised Statutes Section 570.223, underscores the necessity of consumer consent for credit reporting and the severe implications of identity theft and unauthorized use of personal information. 

I assert with unwavering certainty that I have not provided consent for LOCKHART, MORRIS & MONT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that LOCKHART, MORRIS & MONT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri Revised Statutes Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that LOCKHART, MORRIS & MONT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Product: Checking or savings account

Good day. I have been asking the company Chime Banking to close an account that I did not open. There has been activity that I did not authorize and am getting emails about acct activity. They gave me a hard time and wanted a copy of my ID to further add to the issue at hand. After threatening to file a complaint they finally closed the account. I have since been sent an email stating that they have been trying to deliver a banking card but failed. I have attached the latest email I received from Chime yesterday. I have yet to hear from them and since this is the second time I have asked them to close this account, further action must be taken. Please assist me in this clear fraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute accounts and inquiries reported on my consumer credit report referenced below, which are the result of unauthorized inquiries. I demand verifiable proof bearing my signature or electronic signature, as I never authorized such actions. This constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B, regarding the block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ], and Fair Credit Reporting Act Section 604. Regarding the disputes with Equifax Information Services LLC, I am providing the following details : Erroneous Current Address : XXXX. XXXX XXXX XXXX, XXXX  XXXX, XXXX, DE XXXX Billing Errors and Inaccurate Reporting : XXXX. XXXX XXXX XXXX XXXX, Account Number XXXX XXXX  - ( XXXX XXXX XXXX  ) - Billing error under 15 USC 1666B. Payments are always made on time. Rectify inaccurate late payment reports. 

XXXX. DEPT OF EDUCATIONXXXX, Account Number : XXXX ( XXXX XXXX  ) - This account violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), damaging my credit. Rectify immediately by verifying and removing this item. 

XXXX. XXXXXXXX XXXX Account Number : XXXX ( Credit Card ) - This account violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), damaging my credit. Rectify immediately by verifying and removing this item. 

Unauthorized Inquiries : XXXX. XXXX XXXXXXXX, on XX/XX/XXXX, made an unauthorized inquiry. This breaches federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), tarnishing my credit. Remove this item now. 

XXXX. XXXX XXXX XXXX, on XX/XX/XXXX, made an unauthorized inquiry. This breaches federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), tarnishing my credit. Remove this item now. 

XXXX. XXXX XXXX XXXX, on XX/XX/XXXX, made an unauthorized inquiry. This breaches federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), tarnishing my credit. Remove this item now. 

XXXX. XXXX XXXX XXXX, on XX/XX/XXXX, made an unauthorized inquiry. This breaches federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), tarnishing my credit. Remove this item now. 

I expect Equifax to take these corrective actions promptly and to provide confirmation of resolution within the specified timeframe.