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

Background : I opened my checking account with US Bank ( XXXX XXXX branch ) in XXXX in the summer. Since then I've been depositing my 1099 income into it and I used that account for only that purpose. The fund is sent by XXXX ( a common payment company used by enterprises ) and the amount is sent every two weeks, consistently, with a traceable payer. So in short, there is only one income source for this checking account and the payer is verified and traceable. In addition to the checking account, I also have two credit cards with US Bank. 

However, in XX/XX/XXXX, US Bank suddenly closed my account without any explanation. I contacted bank via the customer service line multiple times, and was informed that there were " suspicious activities '' in my account. I explained to them the source of funds but no one could help me to resolve the issue. 

This is not the worse part. What is truly horrible is that US Bank then disabled my online login and does not allow me to re-enable it or create a new one. I tried to do this both online or via the customer support line, and I was informed that, from now on, I won't be able to use the online banking services anymore. How can I pay my credit cards? Will they be responsible if there are late fees or credit card interests incurred? 

I was trying to give my best respect to their decisions with the checking account. But not allowing me to use any online systems -- even if I try to be a responsible person and pay for my credit cards -- is just pure disrespecting its customers. I demand a response from the US Bank and fix the issues before any financial damaged are done to any further.
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 accounts ( A ). It is not permitted to report these accounts 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 deletion due to inaccurate reporting in my file. 
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

In accordance with the Fair Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 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.

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: Money transfer, virtual currency, or money service

COINBASE transfer to a FRAUD SCAM Brokers : XXXX XXXX XXXX I would like to bring your attention to a serious issue I have with COINBASE wires that first took place on the XXXX of XX/XX/XXXX. 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX XXXX - the Company. 

The funds were transferred utilizing COINBASE 's services in the total amount of XXXX USD! 

I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with COINBASE. 

I feel like at the end of the road there is no future for me, all my money was depleted. I am in embarrassment to my family. I was planning on living off my life savings all of which have been stolen, depleted all due to COINBASEs criminal conduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$350.00} XXXX XXXX XXXX XXXX : XXXX -- -> : {$400.00}
Product: Consumer Loan

A representative for Suntrust Bank came to my house and left a blank card with a hand written note on it asking me to call Suntrust. This person did not identify themselves in any way or form. My payment is XXXX days late and the previous week I called and asked for a deferment. I have not yet received the paperwork to fill out yet for the deferment. I have dealt with XXXX other auto loan companies and I have never had this experience from any of the other companies. I find it extremely unsettling and abusing their position as the loan provider. When I asked for them to provide information about who had came to my house the request was refused and they advised to not take it personal. Given that they sent someone to my home in what seems like strong arm tactics, I find it very personal. Then they stated that I do not own my vehicle that the bank does. I have found my experience rude and that they are over stepping. I feel that it implies that they can have access to where I live and my property anytime they deem it is necessary. They do have an interest in the car but my name is on the title. What does it matter to them what sort of condition the vehicle is in if I am making the payments or keeping in contact with them to make arrangements.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states have the rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a customer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a derogatory account on my credit report, without my consent. This negative account is damaging my credit reputation and credit worthiness, ad causing me to be denied access to credit. I have disputed this account with the original creditor, and they failed to provide validation of the alleged debt. This company that is reporting this account now has no authority to do so, nor do I have any agreement or contractual obligation with them regarding this derogatory account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor ( Comenity Bank XXXX ) has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681 section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 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.
Product: Debt collection

I am writing to seek assistance regarding a debt collection matter that has arisen after my XXXX XXXX bankruptcy in XXXX, which was successfully discharged in XXXX of the same year. Prior to the bankruptcy, First Marblehead was attempting to collect on a loan that was subsequently included in the bankruptcy proceedings. After the discharge, a new entity, XXXX, began pursuing collection on the same loan, despite its discharge in the bankruptcy process. Recently, I communicated with XXXX 's account manager, informing them that the debt had been discharged in bankruptcy. The response indicated that they did not believe it was the same account, citing a discrepancy in account numbers. However, I am confident that this debt is indeed the same, as evidenced by the matching account numbers for a similar loan listed in my bankruptcy. Complicating matters, both XXXX XXXX and First Marblehead, the companies associated with the original debt, have dissolved, making it challenging to obtain the necessary information to connect the dots. I am kindly requesting your assistance in urging XXXX XXXX XXXX to provide proof of the purchase of this debt. This documentation is crucial for me to continue the tracing process and clarify the status of this discharged debt. I appreciate your attention to this matter and look forward to your guidance on how to proceed.
Product: Credit reporting or other personal consumer reports

I recently received a updated investigation results from Experian. Indicating that account with XXXX XXXX XXXX XXXX REMAINS ) on my credit report. I have requested from the actual creditor to produce all documentations along with the contract with my actual signature. I sent this request for information over 3 months ago. Yet the company Never responded nor did they supply me with any piece of documentations. To show that this alleged debt was in fact my actual debt. 
I requested Experian to send me a detailed description of their investigation. I requested them to provide me with the supporting documentations that they gathered. That they have claimed was verified from the creditor. Experian refused to supply me with this critical detailed information/documentations as well. 
The creditor failed to supply the alleged actual contract in over 3 months. After I sent the certified letter asking for that contract. That they so verified that it was mines, yet they signed it and accepted the certified letter. 
Again Experian has not produce detailed description of their investigation. Nor have they produced any documents to me. That has a contract with my signature. That proves that this debt actually belongs to me. Some how this investigation results was closed out with Experian before CFPB had a chance to respond with its results. 
I ask that this account be removed from my Experian Credit Report. In violation of the Fair Credit Reporting Act. In which the creditor were not able to produce documentations in 35 days. That is required by law,, That dated from XX/XX/XXXX until this date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fcra to conduct reasonable reinvestigation of disputed information on my credit report leaving inaccurate accounts unresolved the cfpb has recently filed a lawsuit against experian alleging systematic issues XXXX as failing to forward consumer provided evidence to its furnishers accepting unreliable responses and failing to notify consumers of dispute outcomes these failures align with my experience where experian has neither corrected nor removed the disputed items despite the evidence. Im requesting immediate corrective action to remove or amend the disputed accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a current victim of identity theft, XXXX XXXX and Experian continue to report fraudulent activity on my credit report. XXXX XXXX XXXX XXXX ( {$7800.00} ), XXXX XXXX ( {$5900.00} ), XXXX XXXX ( {$6100.00} ), XXXXXXXX XXXX ( {$6300.00} ), XXXX XXXX XXXX ( {$3200.00} ), XXXX XXXX XXXX ( {$7400.00} ), XXXX XXXX ( {$1400.00} ), XXXX XXXX XXXX ( {$570.00} ). FTC has been filed in XXXX of 2021 they did not comply within the 5-7 business days according to federal law.
Product: Student loan

I attended XXXX University from XX/XX/XXXX-XX/XX/XXXX. When I initially spoke with someone they lied and told me that they were accredited. Had I known that they were not I would not have attended that school. I was also pressured into attending the school, when I left I had people contacting me for weeks. When I completed the necessary paperwork to attend, they told me I was not eligible for any grants and that I would have to take out student loans. I later found out while attending another institution that I was eligible for grants and did not have to pay out of pocket or take out loans. I Do n't think it is fair that I was basically taken advantage of and received a degree that is now laughed at when on interview. Fortunately I continued my education at other public universities. I hate that I fell prey to their scam. I also has a private " genesis '' loan that was paid in full. What can be done to help me with the loans that are now due for payment for a degree that I ca n't even use and Is n't even considered while searching for employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX Date of inquiry XX/XX/2020
Product: Checking or savings account

My account was withdrawn over {$8000.00} for two purchases that I went in the store for and was told by two associates that the process will take 24 hours. I came back the next day I was then told by the general manager. That she wasnt sure as to why her employees told me that it took 24 hours and then when she looked on my account that it says the funds were given, I immediately let her know who the employees were and that I did not receive anything, she reviewed the CCTV footage and seen that I did not receive anything at that moment we contact the authorities I was told to file a claim with my bank and I also found a police report which I gave to my bank just for them to tell me that they can not send me any credit so Im without XXXX and Im just confused as to what I can do from here. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, LightStream does not appear to have appropriate procedures in place that provide updated balance information to credit agencies in a timely manner. I spoke to the them in early XXXX to request that they update my balance information which had last been updated in mid-XXXX. They described very vaguely that information is updated around the second week of every month. I said well clearly mine was missed for XXXX then from your process and please can you look into this. The conversation went nowhere. I'd say this conversation was around XX/XX/XXXX ( I could find exact date if needed ). I also informed that and they had in their files a $ XXXX payment I had made on XX/XX/XXXX ( leaving a very minimal balance of $ XXXX that I later paid off on XX/XX/XXXX. At some point in later XXXX my credit reports were updated with balance information as of XX/XX/XXXX. This is both inconsistent with what they described and appears very odd that they would report that balance ( just prior to the XXXX payment they confirmed they received ). Almost as if was done out of spite. I took no further action and waited for them to report updated balance 1 month later that account is paid in full. Nothing has been updated again on my credit report. I have reached out to them again. Every other lender / credit card company / etc appears to report consistently on a monthly basis. I do not know all the regulatory requirements, but LightStream is clearly putting people, such as myself, in difficult situations when they fail to timely report information to credit agency. I am in the process of acquiring a new home. I'm sure I'm not the only one that is being impact by this. They are not receptive to my feedback.
Product: Credit card or prepaid card

We had two American Express credit cards. We noticed charges on both cards that were not ours. We contacted Amex to inquire/discuss. During our telephone call with Amex we were told that our replacement credit cards had been mailed, did we receive them. Problem-we did NOT request new credit cards NOR did we ever receive new credit cards. The Amex rep provided an address where these credit cards were sent-it was NOT our address. It became clear, very clear, that someone fraudulently obtained these credit cards in our names and used them to make purchases. 
We continuously tried to explain and work with American Express regarding these fraudulent purchases. We were initially told we were NOT responsible for the charges-based on the fact that they sent these credit cards to these thieves, not us. We again made it clear that we NEVER requested, wanted, used these replacement credit cards! 
We acknowledged that SOME charges may be ours and that absolutely we would be responsible for these charges. We asked for detailed Billings from the inception of the credit cards to the current date. We only received partial information. 
To date we have NEVER received a complete report of charges. Now American Express is trying to take us to court to pay for charges that were made fraudulently!! This has been and is extremely upsetting and frightening! Our credit has been severely damaged. We feel that we have no rights, no protection against American Express. 

Thank You, XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  Experian received my 1st written request by certified mail, to temporarily remove a security freeze in connection to a XXXX XXXX personal loan application. 

Report # XXXX dated XX/XX/XXXX was received from Experian stating, " recent request regarding your credit information that does not appear to have been sent directly by you or be authorized by you. '' On XX/XX/XXXX Experian received my 2nd written request, with my signature notarized. 

On XX/XX/XXXX XXXX XXXX  continues to indicate temporarily removal of the freeze, before my application can proceed.
Product: Vehicle loan or lease

XXXX years ago my ex-best friend got a hold of my information and finance a 2012 XXXX from santander bank under my name. vin # XXXX XXXX when i learn of the situation a year ago, i tried to work with him and the bank to settle the account. but the bank resold the loan to a different bank and my friend change is phone number and move and i don't know how to get in contact with him. at this point my only option is to report this fraudulent transaction in order to try and get a hold of the vehicle and returned it to the creditors. for the past XXXX months i was under the impression the vehicle was returned which what him and i agreed on. but the debt is still on my credit, i have given the creditor his contact infor job and cell phone. they stop contacting me but i know he hasn't return the vehicle because he disappear.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, We are writing you all as very frustrated customers of Hyundai Motor Finance ( Also known as 'Hyundai Capital America ' ). On XX/XX/2018 I ( XXXX XXXX ) made several call to your customer service department regarding making a payment on my account. At the time I had a total balance due of {$510.00} which included my monthly payment plus late fees. I spoke to the representative on the phone and she informed me all I had to at least pay my normal monthly payment of {$490.00} and I could pay the late fees with my next month bill. Never was I told that if I did no pay the extra {$18.00} that I would still be considered past due. Well, because I was given inaccurate information I carried a balance into XX/XX/XXXX and it was reported on our credit report as 30 days late. This is very upsetting to us because if we were aware of the consequences of paying {$18.00} short we would've made a full payment at that time. Now, our credit scores have dropped drastically and it could prevent us on purchasing our first home next month. We are writing you all to see if there is anything that can be done and this negative reporting be corrected. We do not think it is fair that we are being punished because of an employee error. 




Thanks XXXX XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

I According to my consumer report I received dated XX/XX/XXXX there was an error that on XX/XX/XXXX I there is a late payment posting from XXXX XXXX have never been late on this account. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. This account XXXX needs to be updated as paid as agreed, NO LATE PAYMENT on XXXX, Transunion, XXXX and any other furnishes of my personal credit.
Product: Checking or savings account

On Wednesday XX/XX/2019 I deposited a XXXX XXXX   XXXX check from XXXX XXXX XXXX XXXX payable to me in the amount of {$4000.00} via Chase Mobile App XXXX XXXX. The mobile app prompt stated my current mobile deposit limited was {$5000.00} and also stated that deposits by XXXX XXXX  ET will typically be available for withdrawal the next business day, " if we need to review your deposit, it may take a little longer for your money to be available ''. So i proceeded with the deposit. 
On Friday XX/XX/2019 I noticed in wasn't showing as available and I called customer service at XXXX XXXX. I was asked a series of questions about the check, which I answered and was told the check might be " bad '' and if good to expect availability to be on XX/XX/2019. I asked if Chase could release a small amount and was told no. I than called back approximately a half an hour later to ask what type of hold it was and told a " system '' hold and again told I couldn't have even {$200.00}. I had {$29.00} in my bank account during these conversations with Chase.

I have direct deposits going in weekly and monthly, I have had the account for over two years, and have one or two instances of insufficient funds under the amount of {$20.00} ( not including fees ). I understand why and what prompted the fraud alert ( large amount ), however I thought there were laws that made a small amount available.