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

My account was opened in XX/XX/XXXX with over {$100000.00}. After a year I decided to move this money to another account. I was not told that if I wanted to keep this account I would have to pay a {$25.00} fee monthly. I was told that as long as I had any accounts with the bank, such as checking, credit cards, etc. amounting {$10000.00} I would not be charged a fee. I do have this. 

In XX/XX/XXXX I noticed that I was being charged {$25.00} fee. I called ( XX/XX/XXXX ) and was told my XXXX XXXX that it was a mistake and a check would be sent to me within 5-7 days. I closed the account. That did not happen, called again XX/XX/XXXX, told the same, but still no refund. Called approximately three weeks later, told I would not be getting any refund, not would they make the account information available to me, even after I told them I needed it for Income Tax purposes. I request the {$25.00} as promised.
Product: Vehicle loan or lease

Fourteenth Amendment Equal Protection and Other Rights Section 1 Rights All persons born or naturalized in the United States, and subject to the jurisdiction thereof, are citizens of the United States and of the State wherein they reside. No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States ; nor shall any State deprive any person of life, liberty, or property, without due process of law ; nor deny to any person within its jurisdiction the equal protection of the laws. 
Ally Financial omitted letter XXXX XXXX car was sold XX/XX/XXXX and never provided any proof of service. Ally Financial sold car while under Federal Law Suit in XXXX XXXX XXXXXXXX XXXX. 

XXXX XXXX XXXX XXXX. XXXX, XXXX Filed XX/XX/XXXX Page XXXX of 10 Violation o

f Seventh Amendment Jury Trial When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial.

SEC v. Jarkesy, 603 U.S. ___ ( 2024 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus for the following unauthorized addresses listed below and notified them of their error posting on my credit file. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the actual proof and physical firsthand documentation but I did not receive what I asked and these violations persist on my credit report. 

Inaccurate Addresses : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit card or prepaid card

On XX/XX/19 I applied for a JCPenney account and was told by the store clerk it was denied. I received a letter from Synchrony Bank stating that I was denied due to " a prior unsatisfactory obligation with Synchrony Bank. '' I reviewed my credit reports from all 3 credit reporting agencies and found no unsatisfactory obligations with Synchrony or any other agency on any of my reports. On XX/XX/19 I wrote Synchrony back and informed them of this. As the ECOA allows, I disputed the accuracy of this information and requested any information Synchrony used to base their decision. I then received a second letter from Synchrony stating that " some of the information used to make the decision was based on information obtained from my credit bureau. '' Synchrony did not give the name of the credit bureau or explain further why I was denied credit as required in the ECOA. Additionally, Sychrony did not comply with the ECOA in that it failed to : If a lender rejects your application based on your credit report, the lender is also required to { copied from consumerfinance.gov website } : *Provide you the numerical credit score it used in taking the adverse action and the key factors that affected your score *Give you the name, address, and telephone number of the credit reporting company that provided the report *Tell you about your right to get a free copy of your credit report from the credit reporting company that provided it within 60 days of your adverse action notice *Explain the process for fixing mistakes on your report or adding information to make your report more complete Given that I have credit in the " very good credit '' range with all reporting agencies, and have had no trouble with obtaining credit from other sources before or since, I believe that Synchrony denied my credit application based on some other reason they do not wish to disclose as it is in violation of ECOA.
Product: Debt collection

THIS DEBT WAS PAID BY THE VIRGINIA INJURIES COMPENSATION FUND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX  Account number:XXXXXXXX Account name : XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX  Account number:XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX pulled a copy of my credit report and noticed the collection. I requested that the credit bureaus remove. XXXX and XXXX has deleted this collection, however XXXX has not only failed to do so but the debt is being reported twice causing double the impact to my credit worthiness. I have requested several times that the this bureaus provide physical verification that this debt has been verified and as of date they failed to do so. Whereas other bureaus have deleted. 


On XX/XX/XXXX, XX/XX/XXXX, on XX/XX/XXXX Request to reinvestigate with XXXX and provide physical verification. Documentation will be attached. 

Also sent request directly to XXXX XXXX to validate this debt and no response as of date.
Product: Credit reporting or other personal consumer reports

After 5 years of paying off my bankruptcy, I finally finished. I pulled my credit report. I noticed there was a address on my Credit report that I never lived. The address is XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX. I called XXXX XXXX and told them that is a false address. The lady i Spoke too said she would look into it. I asked for a reference number of which she said, they don't do that and she said just call back after 30 days. I disputed several times and it's still on my credit report. Upon my own research, IT was business building that was/ is torn down. It really bothers me because, I have been working really hard to clean up my Credit report and now I have some address that is Completely NOT CORRECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a settled debt that says I owe a balance. I called the actual company and they say I don't have a balance because it was settled. I file a dispute with Equifax and send in a copy of the letter of the settlement. They reported the same as the result of not getting in touch with the company. I called spoke to a representative at Equifax and asked if the company didn't respond, why is this still reported the same or at all. I thought the company has to respond within 30 days with accurate information or if not it is removed from my report.
Product: Checking or savings account

This is in reference to complaint no. XXXX. 
In order to fully understand this current complaint please read the previous complaint referenced above. 
On XX/XX/2021 I received an email from XXXX XXXX, executive VIP of tXXXX XXXX XXXX  stating that their finance team received notification of disputed transaction from WellsFargo bank. WellsFargo has never contact me concerning any transactions from XXXX XXXX XXXX, as a fraudulent charge on my account. I did submit a fraudulent activity claim to WellsFargo, but I never included XXXX XXXX XXXX in my claim. Per my previous complaints to CFPB and my fraudulent activity claim to WellsFargo I stated that the charges to my account are from shopping outlets in XXXX and XXXX only, not XXXX XXXX XXXX In addition to all of this WellsFargo bank has made a deduction from my account in the amount of {$410.00} which caused my account to go in the negative - {$400.00}. WellsFargo 's posted transaction on my account states that a ( REVERSAL OF EXCESS CREDIT DUE TO MERCHANT CREDIT CLAIM XXXX ). WellsFargo 's posted transaction to my account does not fully state in detail who is disputing the fraud charges/activity claim of which I did submit.
Product: Payday loan, title loan, or personal loan

I have been harrassed by ace loans of XXXX tx XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I am paid twice a week so my payments are arranged twice a week. I have been receiving harassment phone calls from XXXX. I have spoke with someone on XX/XX/19 confirming a resolution for their actions but I am still receiving phone calls. Ace Loans are calling my employer at XXXX and my personal number at unprofessional times of the day. I recieved a phone call from them twice on XX/XX/19 at XXXX. Ace Loans has called my employer several times on XX/XX/19. This is harming my personal life and my relationship with my employer.
Product: Checking or savings account

I had a cashiers check deposited in my account on XX/XX/XXXX at a BMO Harris Bank in the amount of XXXX. They told me that is would take 7 business days to clear the check. Before the check was deposited in my account the check was ran through a system and verified that is was a live and good. I was released some of the money at the time of deposit, the remaining was left in the account pending approval. On XX/XX/XXXX BMO closed my account. I went inside the main branch and they told me my account had been closed due to an alert. I asked what happened to my cashiers check that was deposited they told me that I have to contact BMO other departments in order to get any more information regarding the funds. XX/XX/XXXX I have been told that the money is not available and that I actually owe BMO XXXX. I said that is not correct I have XXXX in funds that have been taken from me. On XX/XX/XXXX BMO credited XXXX to my account that has been closed at least a month now, and will not tell me where the rest of the XXXX is located. They are stealing certified funds at this moment.
Product: Bank account or service

I opened a checking account for my son before leaving for college, for the purpose of transferring funds as needed. XX/XX/XXXX he 's doing his XXXX out of state. The problem is this institution has very limited branches. When my son received his first check I instructed him on where to go to deposit his payroll, to our surprise they held a portion until a week later. We called the bank for explanations, with the understanding that was handed over along with the advice of making more deposits the better. Next pay period same thing happened, once again we called got different advice and spoke with supervisor, she advice he go somewhere else to cash it, meanwhile I 'm here home borrowing money getting money orders going to XXXX to deposit into my acct. and transfer into his. 3rd time he cashed it and he then went out purchased a money order and went out the way to find a XXXX to deposit into his acct. so that it can be transferred back over to my acct. THEY HELD THAT AS WELL! Made a call again new advice. HELP PLEASE!
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, this complaint us not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company without my authorization from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services or money ; and was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and under 15 U.S. Code 1681b Permissible Purposes of consumer reports I never gave any written consent to report anything on my consumer report. No consent is FAUD. 

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 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 or other personal consumer reports

I sent Equfax the information about XXXX XXXX removed info from my credit report and re entered it a week later to cause my score to drop. XXXX took over from XXXX XXXX. I have court documents that says that I defaulted on XXXX on XX/XX/year>. So, when it was originally removed it should have been removed permanently. Equfax did not investigate my case.
Product: Credit reporting or other personal consumer reports

I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

Policy states According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.

Items below should be deleted as soon as possible due to identity theft : Addresses 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX we bought an under counter ice maker at Lowe 's and paid with my Lowe 's credit card ending in XXXX. When we bought this ice maker we were told by the sales person that this ice maker had a 12 months manufacturers warranty on it and this was confirmed on the Lowe's/XXXX paperwork. On XX/XX/XXXX we called Lowe 's to report that this ice maker was not working. Lowe 's stated that we had to call XXXX as this was a warranty issue. We called XXXX and reported this problem. They sent out a repair person from XXXX refrigeration. A person came to repair the refrigerator 3 days later and left stating that they would order a part and would call us 5-10 days later to schedule a repair time. After 10 days I called XXXX because we had not heard from XXXX. XXXX tried to call XXXX and got no answer and gave me the number so I could also call them. I called several times and also called XXXX back XXXX times for them to follow up. I finally called XXXX and got a lady who stated on a call XXXX XXXX that they did not do XXXX XXXX calls. I again called XXXX and reported this. XXXX said that they had no other service people and would report the problem to a manager who would call me back in 3-5 days. No call came so I again called XXXX and they again gave it to the Manager. I wrote a letter to the President of Lowe 's and the President of XXXX. Lowe 's responded with a referral to an executive support team. I have talked to XXXX from Lowe 's several times and he had tried to get help for me from XXXX. Another appointment was set up for XXXX XXXX with XXXX. No repair person showed up. XXXX called on XXXX XXXX to say they would not be coming as they do not repair under counter ice makers. I called XXXX again on XX/XX/XXXX and got told that they would try to set it up with somebody else but I had to call next week, but they felt there were no repair people in the area and I could find somebody myself but they would only pay for the part and the initial service call. This item is under warranty and I should n't have to pay anything. The item and the warranty were sold to me by Lowe 's. This is bait and switch ... sell me a product and a warranty, and then push me away when it breaks. I want my money back and this item gone.
Product: Credit reporting or other personal consumer reports

I have been alerted and it has been confirmed that my consumer report has been affected by the XXXX data breach and because of that accounts have been created against my will. I am submitting document for the expungement of the information disclosed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am making this request pursuant to the FCRA guidelines ( 605b 15 usc 1681c 2 ) that you Transunion have 4 days to block the listed fraudulent items from my report upon receipt of this submission. This fraudulent activity consists of auto loan account XXXXXXXX XXXX  acct number XXXX opened XX/XX/XXXX, fraudulent auto loan account XXXX XXXX acct number XXXX opened XX/XX/XXXX, fraudulent credit card account XXXX acct number XXXX opened XX/XX/XXXX, fraudulent credit card account XXXX XXXX acct number XXXX opened XX/XX/XXXX, fraudulent credit card account XXXX XXXX XXXXcct number XXXX opened XX/XX/XXXX, fraudulent auto loan account XXXX acct number XXXX opened XX/XX/XXXX These accounts have resulted in the damage of my FICO credibility to obtain credit. This IS NOT a request for verification. I request for the immediate block and expungement under guidelines ( 605b 15 usc 1681c 2 ) upon this notification and that receipt of this demand be sent to my personal email XXXX Due to the constant malicious breach of my personal identity, i will be using the government agencies CFPB and the FTC affidavits attached as verification of identity because a copy of my drivers license was part of the data breach. I do not wish to have comments and or fraud alerts added to my account as they discourage creditors from extending credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. Kindly assist me to remove these following fraud items : XXXX XXXX XXXX , XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX Balance : {$59.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX , XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; Original Creditor XXXX XXXX XXXX XXXX Balance {$2000.00} ; XXXX  XXXX XXXX XXXX Balance {$660.00} ; Original Creditor XXXX XXXX XXXX XXXX Balance {$130.00} ; XXXX, TX, undefined ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance {$130.00} ; XXXX XXXX Balance : {$1600.00}.
Product: Checking or savings account

I did occur injury since time ago XXXX, when I did maintain an appropriate concerns First Republic Bank, attends to a professional business banking account, that did dramatically maintain very rude attends to of malfunction. 

I was after opening an First Republic business banking account, occur to very serious delays appointment applies mine new checking account to of mine professional legal business, " Legal Advisory & Document Company '', named XXXX XXXX XXXX, an XXXX. 

I was informed that day I opened the pro business account, that I would be at fact able receive a temporary, banking debit card, unfortunately I was not provided that card, and was caused upset, inconvenience, by acts this. 
Later I did occur very ill too, by regards I was failed an reasonable timely, delivery of mine First Republic Bank, business checking account, checks. 
" I had been an First Republic Bank account holder, and I had yet, exceed two weeks, receive either mine appropriate to business banking account 's, even that of " temporary debit card '', or for appropriate of business checks ''. 

I did attempt receive a fair remedy for regards the above mention of bank 's malfunctions occur compel mine legal business serious delays to continue at planned professional business, XXXX XXXX XXXX, an XXXX., the jurisdiction, " XXXX  '' coordinate applies to gain of replies U.S. Government, attends Internal Revenue Service , my XXXX company add forms acquire an appropriate jurisdiction {$5000.00} settlement, for each relevant U.S. citizen. 
The above mentioned describe XXXX XXXX XXXX ' " XXXX '' forms, is add here associate that to relevant regards at seriousness a " loss occur '', due fact First Republic Bank did fail provide me with promised to business banking account, debit card, a relative mine professional business checks.

I did because of this above mentioned First Republic Bank 's malfunctions, occur of XXXX of that to upset mine VA doctor diagnosed illness to XXXX XXXX XXXX, associates, compel me use VA prescribed medications. 
I did subsequent the events, here above describe, cause me illness, and to that regards communication further, attempt remedy these banking errors, and of malfunction occur me, with respect the First Republic Bank relative matter banking agent ( s ), did too, occur, " apply request by fax jurisdiction '', and formally, ask for an decent, as by law does require appropriate to acts available, support " Injury Claim Form ( s ) '', type relative insurance provision. 
I did during time more intense was mine injury occur relative fault of bank 's jurisdiction First Republic Bank, request an lawful appropriate injury claim, and that since then XXXX, I have yet received a fair, a lawful respect, claim, for appropriate concern injury, provision should occur lawful, by F.R. Bank.