23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX, 2017, I tried, on line, to open a joint savings account with XXXX XXXX, a bank I have done business with for 21 years. XXXX rejected the new account based on " information contained in a credit report ''. They referenced Transunion, XXXX and XXXX. 
There are no problems shown in the Transunion or XXXX reports for my wife or I. 
I did not get a " notice of rejection '' from XXXX. 
My wife did get a " notice of rejection '' from XXXX. Because of this we got a report from XXXX, in my wifes name, they indicate no problems. 
Some where out there is a blemish on either my wife or myself and since no one will tell us what the problem is, we can not fix it. 
I have talk to two people at XXXX on seperate occasions, they both stated the rejection was because of information contained in a credit report.
Product: Credit reporting or other personal consumer reports

Demand to delete and remove Portfolio recovery A collection on credit report as authorized and mandated by various statutes and regulations, including but not limited to 12 CFR 1016.1, 12 CFR 1016.13, 12 CFR 1016.14, 12 CFR 1016.15, 5 US Code 552a ( Privacy Act of 1974 ), and 15 US Code 1681a. As a consumer, I am entitled to protect my privacy and control the use of my personal information. Under the Privacy Act of 1974 and the Fair Credit Reporting Act ( FCRA ), I assert my rights to ensure that my personal information is handled in accordance with the law. Specifically, 12 CFR 1016.1 outlines the purpose and scope of the regulations concerning the privacy of consumer financial information. Furthermore, 12 CFR 1016.13, 12 CFR 1016.14, and 12 CFR 1016.15 detail the requirements for providing privacy notices to consumers and the limitations on sharing nonpublic personal information with third parties. Additionally, 5 US Code 552a ( Privacy Act of 1974 ) safeguards the privacy of individuals by governing the collection, maintenance, use, and dissemination of personal information by federal agencies. 
Furthermore, 15 US Code 1681a defines key terms used in the Fair Credit Reporting Act, establishing the framework for the protection of consumer information and the regulation of credit reporting agencies. 
In light of the above, I hereby request that you cease all activities related to the collection, sharing, and dissemination of my personal information. This includes, but is not limited to, the sharing of my information with affiliates, non-affiliated third parties, and any other entities without my explicit consent. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Product: Bank account or service

I signed up with a credit counseling agency to get my debt under control. One of the agency guidelines was to closed my current checking account and open a new one so debtors could get access to my account while the agency was undertaking negotiations. I paid the balance on my checking account to XXXX, and opened a new account with the same bank ( USBank ), and started my automatic paycheck deposits to that new account. But when I paid the balance to XXXX, on my old account, USbank did n't close the account because of pending transactions. I called the service support line and they informed me they could n't do anthing about it until the balance came to XXXX. Because I had several payday loans out, and the bank continued to try and process them as the payday loan companies continuous kept submitting payment request to the bank, the account always had pending transactions. Also, I used USBanks bill pay service. I changed all my bills to be paid out of the new account I opened. The bill pay service continued to try an pay some bills through the old account even though I had cancelled all payments from that account, which led to return check fees. During all this time the returned check fees added up to over XXXX dollars. The bank took over XXXX dollars on my new account to pay those fees. That XXXX dollars was my mortgage, home insurance and car insurance payment. I was not able to make those payments that month. I called the bank branch directly and the person I talked with put a hold on any further incoming payment request which allowed me to finally close the old account. So why could they not do that ( put on a hold ) when I initially paid the balance to XXXX in order to close the accout? With another call they refunded me XXXX return check fees of XXXX each, but said they could n't refund the rest because I did n't call earlier. But I called there service support line twice and each time was told there was nothing they could do. I live paycheck to paycheck and losing over XXXX set me back on many payments on multiple accounts. I cancelled my registration with the credit couneling service because after 30 days after registrating with them, they still had not started negotiating with my creditors, and I filed chapter XXXX bankruptcy. I was trying not to file bankruptcy, but with USBank confiscating over XXXX dollars in return check fees plus the XXXX dollars in fees I paid to close the old USBank account, I did n't see any other way to get my debt under control. I feel USBank could have put a hold on processing any other payment request to my old account when I paid it to XXXX. I then could have referred those debtors to the credit counseling agency I signed up with to negotiation settlements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleased to see some improvements on my report and there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$250.00} XXXX XXXXXXXX Balance Owed : {$1400.00}
Product: Payday loan, title loan, or personal loan

Lending tree has been running my credit since XX/XX/2020 every month without my authorization. I need all the inquiries be remove from my report. And I am Requesting financial protection bureau to please Do so something for this company to put a stop to this company behavior. 
I am looking for credit score damage repair compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights for this account : XXXX XXXX XXXX Opened XX/XX/2015 Stating two 30-day late payments It is in violation due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15 U.S.C 1666B ] A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.
Product: Credit reporting or other personal consumer reports

There are accounts that are older than 7 years and should be removed. There are also accounts that have been charged off ; however I did not receive 1099-C cancellation of debt forms for any of the mentioned accounts. Which means now this information is inaccurate on my report and needs to be removed. I am also seeking monetary relief for these errors most importantly this has harmed my chances of obtaining personal and business credit to provide for my newborn. These accounts have been affecting my report for over a year. 15 U.S.C1681 section 602 A. states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish an account without my written instructions. I have not given written consent to this company. 

The accounts that legally should be removed are : XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXXXXXX XXXX says I am past due in a account they claim that started in XXXX or XXXX my utilities bill with my house in XXXX isnt with XXXX XXXX  Ive owned my house for 2 years here. And Im up to date with my bill currently. This collections account they are claiming on my credit is fraud!
Product: Debt collection

I started XXXX XXXX, I didn't realize that there was a separate bill from the physicians. 
The bills were sent to an old address. 
The debt collectors would not explain who the creditor was. Eventually it appeared on my credit without written notice. 

Now willing to pay in installments, but would like item removed from my credit since the collection agency did not provide an explanation.
Product: Credit reporting or other personal consumer reports

I have received my XXXX XXXX which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Your agency is in violation! 
XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 
XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 reporting or other personal consumer reports

this company states that i applied for some type of credit with their company..i did not apply for a capital one card on XXXX XXXX and XXXXXXXX XXXX.from
Product: Credit reporting, credit repair services, or other personal consumer reports

so they keep saying they haven't received documents police report I sent those by mail as to well you XXXX XXXX Equifax XXXX you guys just sent statement. no attachment so I have had my mail tampered with but can you I'm sending these letters of proof and legal documents from irs .can you have have all XXXX XXXX Equifax remove these as these have been taken care of .late payments and are illegal. and they need to pay for violations they have committed for the past year .fraudently allowing reporting of false information removing account after viewing police report FTC .changing and altering an old personal statement I did not not authorize.as well XXXX XXXX is not my grantor. each reporting agencies need to pay these fine for damages due as laws state XXXX per violations and willingly and knowingly reporting wrong information and law states re investigation 15 days most cases 3 to give. it's been over a year they have caused me to be judge and discriminated against for their false doing as if you look on public record I am a XXXX  creditor.. I never gave any agency or buissness to report false illegal information on my report. and reporting information to buissness to be denied as they stated and one Bank showed me what they reported and I compared my report information I know nothing about I need late payments removed every account as in payed as agreed. and if they can't do this with in 3 days as well each agency pay for damages not ones they fixed. but one they neglected and causing my household harm and injury.i sent affidavits 1009a also XXXX XXXX  debt discharge so these agencies not removing this immediately as laws states criminal and civil charges will be filed in 3 days of receiving I have every right. deceptive buisness act I asked each Agency for every application validating what they are wanting report .only thing they report is damaging illegal. I was told to pay my bills I won't have this issue. funny 1099a and 1099c they not well up-to-date on. and stop telling people wrong info. I save d everything over last year audio chats certified mail receipts. I have more than enough because of these agencies my kids have to go with their mom. I can move foward in life and being willfully injured because of them .and it needs to stop. they have 4 days to fix and 7 days I sent attached invoice for damages that I need to receive which I'm entitled to or I will be moving forward with charges and material facts and all complaints sent to you and little has been done. today they fix and pay that's it or charges are being filed.
Product: Credit card or prepaid card

XX/XX/2020, Received my monthly statement from Lowe 's home center as administrated by SynchronXXXX Bank with a balance of {$8800.00} before a payment of {$350.00}. I then called Customer service ( XXXX ) for a pay off amount and was told that amount was {$7800.00} if the payment was received by XX/XX/2020. I then asked if payment could be made in two payments and it was agreed, I made payment one with my personal check # XXXX for {$2800.00} payment two by proceeds of a loan of {$5000.00} from my bank transfered electronically all before the deadline date. 
I assumed that payoff was on time and complete for Lowe 's special finance program, again I received the XXXX statement and it showed a new balance of {$11000.00}. Called customer service again and was told that it would take up to three billing periods to show a corrected statement. Assumed that the account was settled and made no further payments. 
Received XX/XX/2020 statement and it showed an oustanding balance of {$3900.00} again called customer service and was assured that a correction was in order, while the clerk I spoke with was very pleasant she had to bring the matter to superiors. 
Received current statement showing a payment arrears of {$380.00} and a Balance of {$4000.00}, called customer service again and discused the repeteing problem and was put on hold so clerk could review problem with superiors and after a considerable wait time was disconnected. 
It appears that this is an attempt at profiteering on the part of Syncrhrony management.
Product: Money transfer, virtual currency, or money service

I sent money via XXXX using the Wells Fargo banking app on XXXX. My contact XXXX XXXX from my contact in my phone is registered as XXXX XXXX. Their token ids are the same and should not be. Ive been telling my bank theres an issue with this since the funds were sent on XXXX I sent money to XXXX XXXX using the XXXX app with the Wells Fargo app. The funds never went through to XXXX. I created several claims with my bank that keeps denying stating they have done everything correctly and there are no issues with the money being sent. Ive been told by my bank to speak to XXXX  XXXX is registered as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  digit off. I need help getting my money back and getting the token ids correctly listed. I have more detailed accounts on EVERY conversation with claims and the executive office within Wells Fargo since XXXXi would be more than happy to provide more information. Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   Confirmation #  XXXX    XXXX   XXXX    XXXX   XXXX  GA  XXXX   Trans Union  File #  XXXX   XXXX   XXXX   XXXX  PA,  XXXX   XXXX  Report Number #  XXXX    XXXX   XXXX    XXXX   XXXX , TX  XXXX  To Whom It  May  Concern : This letter is to request the removal of the fraud alert on my personal credit report. My identification I have include my copy of my ID and current address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Oh  XXXX  DOB :  XXXX  Current Employer :  XXXX   XXXX   XXXX   XXXX   XXXX  Position :   XXXX   XXXX    XXXX  Cell Phone :  XXXX
Product: Debt collection

I, XXXX ; XXXX, living soul and Executor for the estate of, am writing to dispute several items on my credit report, which I believe contain inaccurate information, and violations of federal trust laws. These inaccuracies are causing significant harm to my financial standing and reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request that these inaccuracies be corrected promptly. 
The estate in question with XXXX social security number is FULL NAME : XXXX XXXX XXXX : XX/XX/year> LAST 4 OF SSN : XXXX ADDRESS : [ XXXX ] XXXX XXXX XXXX XXXX XXXX, XXXX [ XXXX ] Any and all names, addresses and employers listed outside the authorized information given by the estate in the above information is to be REMOVED IMMEDIATELY, anything that remains on the report after the request investigation will constitute trespass and you will be fined {$55000.00} USD for EACH inaccurate listing still remaining. 



The accounts in question are listed below as well as highlighted in the report attached. 
LATE PAYMENTS BEING UNLAWFULLY REPORTED : XXXX. XXXX XXXX XXXX XXXXXXXX ACCOUNTS UNLAWFULLY REPORTING CHARGE OFFS OR THAT HAVE BEEN SOLD TO 3RD PARTIES HAS BEEN HIGHLIGHTED IN THE REPORTS ATTACHED and listed below. 

XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate the claims adequately. They informed me that recovering lost funds was impossible and that tracking these funds was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users in the vulnerable to scams. The lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

They keep verifying bankruptcy I asked them to remove it more than once who are they Verfied with because its no way it should be reporting it does not belong to me
Product: Credit reporting or other personal consumer reports

Upon checking all three of my credit reports I noticed a few accounts XXXX XXXX opened XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX opened XX/XX/XXXX that are fraudulent that i never gave permission to run my credit. As well as inquiries from XXXX, XXXX XXXX, and XXXX XXXX XXXX. These things are unfair and voilating my credit laws according to the FCRA. I demand these items to be removed and deleted immediately.
Product: Credit card or prepaid card

Received an email that my XXXX credit card had been closed since " It's been over 2 years '' since using the card ; however, there was no prior notification notifying me the card would be closed if NOT used within a certain time frame, and the most recent activity I had was redeeming rewards from the credit card dropping my rewards to XXXX. 

It seems the reasoning is just a pacification and an false excuse to close card accounts after a couple months of most businesses being shut down due to COVID-19 in an effort to block businesses from using cards as they come out of COVID-19.

It is not that we were going to use the card. It just looks very suspicious. Plus, if we wanted an active card from this card company, we now have to reapply which will affect credit scores. It was just nice having a card on hand " just in case. '' It also helped show our credit worthiness. Closing a card for a card holder who is has proven to be a responsible card holder, just shows poorly on the company.
Product: Mortgage

i have a complaint against fifth third bank mortgage company. 
i applied for home insurance through a company called XXXX, on day XX/XX/2024, then on XX/XX/XXXX i asked for cancellation to move to another insurance, called XXXX  on XX/XX/2024, the mortgage company at that time didn't pay for the XXXX  XXXX  XXXX  company, and they paid XXXX XXXX  company... 
on day XX/XX/2024 XXXX  XXXX  contacted my fifth third bank asking to be paid!! though they have a cancellation from me since XX/XX/2024, they informed my mortgage company that i am shifting back from XXXX  to them ( XXXX XXXX  ) again..! and they need the money to be paid!! which was completely untrue! so fifth third bank paid them the full amount of insurance, though they paid already XXXX! and i didn't cancel XXXX  at all!! XXXX so they paid XXXX home insurance!!! the XXXX XXXX  company ( XXXX XXXX XXXX XXXX ) took the full amount from the mortgage company and refunded me the payment deducted by XXXX $ as a penalty for cancelling the insurance..!! 
this is all miy paid XXXX home insurance!!! the XXXX XXXX company ( XXXX XXXX XXXX XXXX ) took the full amount from the mortgage company and refunded me the payment deducted by XXXX $ as a penalty for cancelling the insurance..!! 
this is all mistake from fifth third bank because they paid XXXX home insurance company, though i cancelled XXXX XXXX company from day XX/XX/2024, they paid for them in XX/XX/2024 and i ended by loosing XXXX XXXX 
please i need fifth third company to put the XXXX $ that they lost me back to the escrow account. 
regards XXXX XXXX XXXX stake from fifth third bank because they paid XXXX home insurance company, though i cancelled XXXX XXXX company from day XX/XX/2024, they paid for them in XX/XX/2024 and i ended by loosing XXXX XXXX 
please i need fifth third company to put the XXXX XXXX that they lost me back to the escrow account. 
regards XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/18, I open the account with a banker at XXXX XXXX XXXX XXXX   WASHINGTON DC XXXX branch, registering a promotion of {$100.00} opening bonus with 10 debit card transaction for receiving the first {$50.00} and the total {$500.00} direct deposit to receive another $ XXXX.On XX/XX/18, the bonus for debit card transaction was posted. On XX/XX/18 and XX/XX/18, there were two payroll deposit into the account and are over {$500.00} in total.However, till now, I do not receive the remaining bonus.
Product: Mortgage

CitiMortgage has transferred my mortgage servicing but has failed to provide sufficient notice as to what company will be servicing my mortgage. CitiMortgage has also been talking to someone claiming to be me who is not me.