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

UPGRADE INC, a financial institution and furnisher of information, along with XXXX, a consumer reporting agency, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation P ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by UPGRADE INC and XXXX being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. UPGRADE INC and XXXX do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. UPGRADE INC and XXXX are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails 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 : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. UPGRADE INC and XXXX have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Checking or savings account

Started a Certificate of Deposit with XXXX XXXX on XX/XX/XXXX in the amount of {$10000.00} at 5.12 interest for the life of the Certificate. We held this Certificate till needed. In XX/XX/XXXX we went to cash the Certificate at Wells Fargo Bank in XXXX, Georgia that had taken over the Certificate through a series of mergers. XXXXXX/XX/XXXXXXXX  had merged with Wachovia Bank who was eventually bought by Wells Fargo. 

Wells Fargo says they did a search and could not find any record of the Certificate as they destroy all records after 7 years and they would not honor the Certificate, even though I possessed the original Certificate of Deposit and the XXXX Redemption Certificate and Time Deposit Deposit Agreement, all of which prove the Certificate was never cashed. If it was cashed they would have taken the Certificate of Deposit and Redemption Certificate as they did with other Certificates I cashed in previous years. 

I went to the next level at Wells Fargo and was denied again as well as being denied by their Resolution Team. 

My efforts with Wells Fargo went from XX/XX/XXXX till XX/XX/XXXX whereas I searched for an attorney to take the case, but, there were no takers. No one handled this type of case In XX/XX/XXXX my daughter took a shot at recovery and got all the same denial answers. 

With interest applied to the Certificate, I estimate the amount owed me is about {$25000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and removed : DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX XXXX DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET  XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX XXXX DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX XXXX DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AT TRANSUNION I CAN NOT GET MY CREDIT SCORE. I CANT SEE ANY INFORMATION EVERYTIME I LOGIN ITS ALWAYS BLANK IVE PAID FOR A MEMBERSHIP.
Product: Credit card

On XX/XX/XXXX, I set up a one time payment for the amount of my monthly minimum payment for my Lowe 's Synchrony card. There was a check box to set up auto-pay at the same time, which I checked. At no point during the transaction was it made clear that this would initiate a second payment for the same amount and date as the payment I was making. I found out that Synchrony initiated a duplicate payment when I received a letter advising of a returned payment and logged in to review my account. I would not have authorized a duplicate payment if the situation were disclosed in plain language. I have tried to resolve this by reaching out via account chat, but the agent I spoke with did not help at all. They refused to remove the fee caused by a deceptive business practice, they refused to escalate my issue to a supervisor, and it became clear through the chat log that they weren't even looking at the correct dates on my account for most of our conversation. I want the {$30.00} fee reversed because it was based on a deceptive business practice that would not have been clear to a reasonable person, and is an unfair and abusive action.
Product: Money transfer, virtual currency, or money service

Dear all, This is to inform you that I have scheduled a fund transfer to XXXX through western union money transfer on XX/XX/XXXX. The company has promised through a written email that the calculated amount will credit to the receivers account by XX/XX/XXXX8. Though the amount was required for an urgent medical related issue in my family back in XXXX, I have agreed this terms. Unfortunately, till todays date, XX/XX/XXXX, the money has not credited into the account, and also the company 's customer care department is not able to give any satisfactory information about this money transfer. I have been contacting them for a while and all the customer care representative provides different answers/suggestions/comments about this issue.

It has been a sad situation for me and my family about this issue, because the money transfer is not served it purpose. 

Thanks,
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. 
Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. 

I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 

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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX locked my online access to my account because I had a negative checking account balance. The online account access was how I paid my credit card bill. During the time frame my account was locked I missed a payment on my credit card which is negatively affecting my credit. I called XXXX multiple times and they were n't able to take my payment over the phone without charging me a {$20.00} fee. I finally got on the phone with a manager who refunded my late charge on my credit card and restored my online access but the late payment is still showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed properly using the us mail and uploading every id document ever requested. I have been ran into circles, stall tactics and dead ends.

I am always connected to a foreign customer service agent that is unable to help me, this is ruining my life. I need help, these credit reporting agencies are unresponsive and unhelpful and violating my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX an account was opened in my name without my permission with XXXX XXXX XXXX XXXX, i never applied for this account and never used this account. it was opened fraudulently. i called the company and they said its in there system so i had to pay. account number XXXX the amount {$6900.00} on XX/XX/XXXX an account was opened in my name without my permission, with XXXX XXXX, i never applied for this account and never used this account, they were supposed to investigate the fraud and they still placed it on my credit anyway the account number is XXXX in the amount of {$340.00} on XX/XX/XXXX an account was opened in my name without my permission, with XXXX XXXX i never applied for this account and, never used this account, i called them and they were supposed to investigate and remove it from my credit and they never did.. the account number is XXXX the amount was {$6400.00} on XX/XX/XXXX an account was opened in my name with XXXX XXXX  i never applied for this account and, i never used this account. i spoke with them and they said that its in there system and that, im responsible for it and there was nothing that they could do, they advised me to file a complaint
Product: Mortgage

Loancare LLC  drafted payment from my checking account and has failed to post the payment. This is the second consecutive time that this occurs. The account is setup on automatic drafts so I do not understand how it is possible to draft the funds from my checkings account and not post them.
Product: Mortgage

XXXX XXXX, XXXX I would like to file a complaint against US.bank, who sold the property to a third property, but when the home was foreclosed, I did n't find out that USbank had any interest until I received an unlawful detainer and USbank was at the top of the list. When the home was foreclosed, it did n't sell at auction, and reverted back to the bank, but nobody would say which bank. When I received the unlawful detainer, I immediately went to a local branch located @ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, I spoke with the branch manger ( XXXX XXXX ) on several occasions from XXXX XXXX, until as recent as XXXX XXXX and while I was there he would call the back office, and USbank would never acknowledge ownership, nor could they identify me by account number, address, or social security number, yet the third party speculator claims they purchased the property from them. I went to XXXX to help me through the process and on paper it was made look like US.Bank was the highest bidder, but that 's not the case, it reverted back to the bank, and I recently have documentation from XX/XX/XXXX ( Enclosed ) where USbank is affixed at the top of the list. I would like to discover why they could never identify me, and banks are allowed to play this game of keep away from distressed homeowners trying to reach out to save their properties. I am contending that USbank sold a property that they had no right to sell, they know that and if I just give up, they win. I want this investigated ; I should at least be given the right to a jury trial.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2600.00} ; XXXX XXXX Balance Owed : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I cant open an account or apply for a loan or credit card it will be unavailable so remove all the hard inquiries on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX Online Information s, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Macys # XXXX. CFPB please forward documents to the mentioned company. Everything is very clear in the documentation Im sending. This is my last warning to Macys to remove fraudulent related account from all 3 reports. My identity might be compromised and according to the Fair Credit Reporting Act, every fraudulent related account has to me removed from reports by law. I want an immediate deletion letter from Macys, stating the removal of FRAUD related account. If this those not happen we will see in court what the judge decides. You have no idea how many violations you are committing here. My attorneys have them all and they are just waiting to your response through CFPB to pull the trigger in the law suit if necessary. Personally I just want justice and have the account remove, but if you want to go to court, that way it shall be. Thank you!
Product: Credit reporting or other personal consumer reports

Dispute 1 : The charge-off of an obligation with Keybank is incorrect of {$27.00} is incorrect, this is paid off and its still appearing as an amount with the charge off acorrding 15 USC 1681 ( a ) 2 I didn't give written permission to have this account furnished on my report. 15 USC 1681 ( 2 ) ( a ) ( i ) consumer reports.15 USC 1692 g validation of debts. FCRA Section 605B. USC 6801 and USC 6802 you violated all the codes listed. Please delete immediately Dispute 2 : The charge-off of an obligation with is incorrect with XXXX XXXX XXXXXXXX XXXX {$280.00}. 15 USC 1681 ( a ) 2 I didn't give written permission to have this account furnished on my report. USC 1692 g validation of debts. 15 USC 1681 ( 2 ) ( a ) ( i ) consumer reports. FCRA Section 605B. USC 6801 and USC 6802 you violated all the codes listed. Please delete immediately
Product: Checking or savings account

XXXX unable to get a response to why, online account, temporarily unavailable. XXXX, I went into XXXX Suntrust Bank XXXX @ XXXX to ask why received {$36.00} dollars overdraft fee when have no overdraft protection requested attached to account. XXXX XXXX XXXX said unable to refund. I didnt know why not. He pushes my card back throw window. I call Suntrust again ; no answers. 

I applied money prior to 5 day penalty stated on account. I pay my bills from this account and have current drafts coming out. This is wrong and scam. 
XXXX Suntrust tellers on XX/XX/XXXX state contact fraud department, XXXX ( XXXX ) XXXX, to get answers. 
I tried to contact Suntrust the entire, via phoneXXXX or email, rest of the day to strive to get questions answered. I was given the run around from number to number. One kind lady appeared to return my disconnected call, XXXX contact number, she sees I was disconnected and was looking for answers. 
XX/XX/XXXX received call from XXXX ( XXXX ) XXXX ext XXXX, XXXX XXXX. 
I returned and called XXXX XXXX ,4-5 times; left messages after she called me on XX/XX/XXXX @ XXXX. All Suntrust phone line system dropped my calls after told your wait is 25-30 minutes and recording. I have received no check of monies refunded within mail as they stated on one occasion via phone, XX/XX/XXXX. I have received no email or letter mail statement of my accounts on regular. I requested paper trail due to this scam antics. I then, asked for copy of accounts, printed off. This is the worse service ever and nothing is truist or trustworthy about this. Wow, this is unlawful and unacceptable. If I were white would this be happening. Systematic and respect of person. 
May XXXX have mercy. Thank You, XXXX in advance.
Product: Money transfer, virtual currency, or money service

I have made the following withdrawals from my XXXX  account, and these were indicated to become available on my bank account by XX/XX/XXXX/XX/XX/XXXX, but have not been sent to my bank account ( IBAN : XXXX ) as of yet. 

Similar withdrawals in the past, were always successful, and received within the indicated timeframe. 
I need the funds to be available as soon as possible, and as the total concerns over XXXX USD, I hope you can appreciate the urgency. 

I have tried to contact the company, but to no avail, as there is no response to my submitted ticket ( case # XXXX ), and their helpdesk via phone keeps one in the queue endlessly ( I had to hang up after 1.5 hours yesterday ) I appreciate your help in this! 
Thank you in advance, XXXX XXXX XXXX Withdrawal date : XX/XX/XXXX XXXX EUR Internal reference : XXXX Withdrawal date : XX/XX/XXXX XXXX EUR Internal reference : XXXX  Withdrawal date : XX/XX/XXXX XXXX EUR Internal reference : XXXX Withdrawal date : XX/XX/XXXX XXXX EUR Internal reference : XXXX