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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX i paid my XXXX XXXX Bill with my bank card. The amount was : Payment received on XX/XX/XXXX - XXXX XXXX -XXXX Payment received on XX/XX/XXXX - XXXX XXXX -XXXX Fith THird bank claims they didnt process it when I I disputed some other chrages on my card. Fifth Third said that the payments was pending. But never told me they were paid. After 14 days they ( Fith Third ), charge back my payments and casued my account to be in the negative as of now. I'm very upset. The people at XXXX XXXX have received their monies since XX/XX/XXXX and not Fith THird is trying to hold me accountable for these payments that was made and thye screwed up. I'm asking for my account to be in the positive and hold them accountable for the monies that thye should have paid to my XXXX XXXX account..
Product: Vehicle loan or lease

I applied for credit with Go Subscription , LLC dba GO Subscription, a car subscription company. The company advertises Customer eligibility as : Minimum credit score : XXXX, Minimum age : XXXX, Valid driver 's license, all of which I have, thus, making me eligible. GO Subscription ran my credit application and denied my application, simply stating via email : " Unfortunately, we are unable to approve your application at this time as it did not meet our eligibility requirements. Meeting these minimums does not guarantee approval. Exceptions can not be made. '' I contacted GO Subscription for further clarification and they were unable to provide any. I asked for an adverse notice, they informed me they do not provide these at this time. GO Subscription is offering credit to consumers but not providing them with specific details related to the rejection of applications.
Product: Debt collection

Debt was paid 14 months ago. I do not owe the money.
Product: Vehicle loan or lease

I went to FIFTH THIRD BANK for a consumer credit transaction. 
FIFTH THIRD BANK denied my credit application & sent an adverse action. 
Denying my application & sending an adverse action is considered DISCRIMINATION against me the Consumer. 
Me the consumer & natural person was excising his rights under Title 15 Chapter 41 when FIFTH THIRD BANK was DISCRIMINATING. 
FIFTH THIRD BANK is also committed fraud by denying my credit application for the extension of credit. 
This company violated 15 USC 1602 ( g ) by denying me something that only I can extend. I am the consumer, natural person, and original creditor.

Pursuant to Title 15 U.S. Code1602 ( f ) credit means the right granted.

Title 15 USC 1602 ( l ) states that a credit card means ANY CARD. That card is my Social Security Card.

Title 15 U.S. Code 1602 ( f ) shows that credit means the right granted by a creditor. All of this means that only the original creditor ( me ) can extend credit with my credit card. EXTENDING CREDIT IS MY RIGHT UNDER TITLE 15 CHAPTER 41. FIFTH THIRD BANK showed discrimination because I was exercising my rights under Title 15 U.S. Code CHAPTER 41 CONSUMER CREDIT PROTECTION.

FIFTH THIRD BANK Failed To Comply With Title 15 U.S. Code 1691a ( 3 ) because the applicant has in good faith exercised any right under this chapter.

Title 15 U.S. Code 1691e ( a ) Any creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class.

Title 15 U.S. Code 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection. FIFTH THIRD BANK denied my credit application thats an UNAUTHORIZED ACCESS DEVICE & UNAUTHORIZED CREDIT CARD US Pursuant To Title 18 U.S.C. 1029 ( e ) ( 3 ) & consider a CRIME Pursuant To Title 18 U.S. Code 1029
Product: Credit card

On XX/XX/year> XXXXXXXX XXXX XXXXXXXX XXXX fraudunletly charged my card in the amount of {$6100.00}. 


XXXXXXXX XXXX XXXXXXXX is in Violation of 29CFR 2580.4 the charges were for fraudulent, misleading and ambiguous services and the contract misled and constituionally damaged me.
Product: Credit reporting or other personal consumer reports

it is my understand that a credit card account can not be deemed over the limit solely on the imposition of interest on that account ( 1026.56 ( j ).

All of the other credit cards issued by banks appear to comply with this interpenetration of this rule except this one. 

Their response did not make sense to the complaint and copies presented were in a font of a copy so small as to be unreadable under normal vision.
Product: Money transfer, virtual currency, or money service

I sent a wire transfer from my Wells Fargo account in the amount of {$4000.00}. The wire transfer showed as completed on XX/XX/XXXX, but the beneficiary did not receive it. I called the bank on XX/XX/XXXX and submitted a claim saying the wire was never received ( and asked for it to be returned to my account because I paid the beneficiary via other means ). I kept calling to get a status update and no one could tell me anything. I received a response on XX/XX/XXXX that the claim was denied because Wells Fargo did not get a response from the beneficiary bank. I called and was told that the Wells Fargo agent submitted the claim incorrectly and a new claim had to be submitted. They kept telling me it would be resolved in XXXX business days maximum. I keep calling for a status update and again no one could tell me anything. 

I kept being told that it could take some time and depends on the response from the beneficiary bank. I kept saying that the beneficiary bank never received the wire ( which I confirmed with the beneficiary bank several times ). Finally, XXXX of the XXXX I called on XX/XX/XXXX a Wells Fargo representative said he called a different wire department and found out the funds were being held by the Compliance department because of an OFAC hit and they needed information to clear it ( no one had reached out to me for information ). I gave the information and called to follow up later that day. The agent told me the compliance department had now cleared the wire. I told him I dont want it to go out because I already paid the money another way, I want the funds returned. He said that is not his department. I called the claims department and customer service to tell them about this and no one could do anything. They just said the claim is being investigated and they will probably update me when they hear from the beneficiary bank. I kept saying the bank never received it. The funds have been held by Wells Fargo compliance this whole time! 

There is apparently no way for anyone ( including agents in the claims department ) to contact the investigators by phone. I have requested repeatedly that they have the investigator call me and he has not. I believe I was told I would be called when there is an update. It seems they are just waiting to hear back from the beneficiary bank, but that bank never received the funds. I am at a loss of what to do.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXXXXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Incorrect Reporting Date : The payment reported as late for XX/XX/XXXX and XX/XX/XXXX was made within the grace period and should not have been reported as 60 days late. 
Clerical Error : There appears to have been a clerical error where the payment was misapplied or not recorded accurately by XXXXXXXX XXXX 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payments were made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

Consumer Financial Protection Bureau, Ms. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX ph XXXX fax https : XXXX XXXX : Individual Account XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
XXXX XXXX : XX/XX/XXXX. Set-up on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX original amt. {$100.00} Identity theft/unauthorized account opening / Fraud This is in regards to follow-up response and letter from Helvey & Associates, Inc dated XX/XX/XXXX. Contrary to there letter, it is incorrect and lacks merit. The XXXX XXXX XXXX bill with account # XXXX XXXX is NOT my account. In addition, the name on the account is incorrect. My middle name is incorrect and I do not have a billing address or property under XXXX XXXX XXXX Ct. In addition, I have never received any notices, bills, phone calls in regards to this fraudulent account. 

The fraudulent account was NOT set up by me on or about XX/XX/XXXX online nor did I receive any email notifications. Someone had used my email address to set up this account online. Only tenants occupied the home at that time. I never requested service on that date, nor did I occupied the home, it was leased. Furthermore, the name is incorrect on the billing information including the mailing address. In addition, since the billing address was incorrect, I never was informed by Helvey & Associates nor XXXX XXXX XXXX that a bill was due or set-up. Because of these mistakes and fraudulent utility account set-up was established without my knowledge or permission, I have submitted an Identity Theft Report Number XXXX and XXXX Police Report case number XXXX. In addition, letters from the FTC.gov reporting has been sent XXXX XXXX XXXX, Credit Bureaus and to Helvy & Associations.
Product: Credit reporting or other personal consumer reports

These companies accessed my credit report without my consent, and it's taken a toll on my credit score. I contacted Equifax, and while a representative assured me these fraudulent inquiries would be removed, they are still showing up. This situation is causing me significant XXXX XXXX XXXX, as it makes me fear I could be a victim of identity theft. Not only is my credit score suffering, but its also affecting my ability to secure loans or financial products, making it harder to manage my finances and adding unnecessary strain to my daily life.
Product: Credit reporting, credit repair services, or other personal consumer reports

**I HAVE NOT SUPPLIED PROOF UNDER THE DOCTORINE OF ESTOPPEL BY SILENCE, ENGELHARDT v. GRAVENS ( mo ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT IN FACT EXISTS** The Fair Credit Reporting Act, as defined in 15 USC 1681 section 602 a, emphasizes the importance of consumer reporting agencies conducting their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. In line with this, XXXX, Equifax and XXXX are consumer reporting agencies, and as a consumer, I hold the right to safeguard my private information, which is reinforced by 15 USC 6801. This act asserts that financial institutions, including " Furnishers of information to credit agencies, '' must continuously uphold customer privacy and protect the confidentiality of their nonpublic personal information.

According to 15 USC 1681 section 604 a section 2, consumer reporting agencies can furnish a consumer report only when instructed in writing by the consumer concerned. As such, I have not given my consent, verbal, non-verbal, written, or otherwise, to XXXX, Equifax, XXXX, XXXX XXXX XXXX, XXXX XXXX, or any other furnisher to disclose my information. 

Moreover, 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the option of nondisclosure. In my case, both XXXX XXXX XXXX and XXXX XXXX failed to inform me of this right, violating the law. 

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse items of information in a consumer report, such as records of crimes that date back more than seven years. The reporting of this account as an adverse item without my permission is, therefore, against the law.

In addition, 15 U.S. Code 1681s2 ( A ) ( 1 ) A states that providing inaccurate information to a consumer reporting agency is prohibited. XXXX, Equifax, and XXXX have failed to maintain reasonable procedures to avoid such violations, as required by 15 U.S. Code 1681e.

Lastly, as stated in 12 CFR 1016.7, I retain the right to opt out of any reporting services at any time. Consequently, I am choosing to exercise my right to opt out of your reporting services.

In conclusion, it is crucial that all parties involved in consumer reporting, including XXXX, Equifax, XXXX, XXXX XXXX XXXX, and XXXX XXXX adhere to the laws and regulations outlined in the Fair Credit Reporting Act to ensure the fair treatment and protection of consumers ' personal information.
Product: Checking or savings account

Hello my name is XXXX XXXX on XX/XX/2020 my claim number is XXXX I contacted Bank of America after realizing my card was not in Possession I contacted the bank told them to send me another card after seeing transactions on my account I was then told to contact the claims team after the transactions posted I then contacted the claims teams for those transactions, I find it unfair to me as a customer to know that I can not count on Bank of America stating that they can not find fraud after me calling Bank of America to let them know that my card was out of my possession I have another bank account that I'm normally transferring money into and using so sometimes I don't even use my Bank of America card I also have a XXXX XXXX account so I am confuse and how Bank of America can't find fraud on my account Bank of America can't determine that my card was lost and also to tell me that my spending habit is the same As the person who use my card that not right at all that is hurtful and disgusting as a company and after my claim is approved I will be closing out my account you guys are horrible at all protecting my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XXXX XXXX, 2023 {$8100.00} Open balance XXXX XXXX Original creditor
Product: Money transfer, virtual currency, or money service

I received a check for {$4500.00} in my name for selling my car. I deposited the check around XX/XX/2020 at TD Bank XXXX XXXX XXXX XXXX Washington DC. I was informed by the bank teller that the check would be clear and available within 24hrs. I didn't withdraw any funds until Thursday XX/XX/2020, l was not told to wait 7 days before the check cleared l was told 24hrs. I began paying some bills that was with 7 days {$2000.00} minus from {$4500.00} which was left about {$2500.00}. That Monday XX/XX/XXXX my Bank Account was frozen and l spook to a TD Bank representative and was told l had a over draft of - {$2000.00} and the rest of the funds were taken by the Bank. I was misled to believe the check was clear in 24hrs he said TD Bank flowed me the funds until the check cleared. My question is why didn't they tell me that before my account was frozen l would have never touched the funds until it was clear? I feel that was misleading and not true of my protection from this Bank with a fraudulent check l received and have to pay the {$2000.00} back to the Bank. Is the bank protocol to mislead a consumer where is my protection?
Product: Student loan

I started my repayment in XXXX with FedLoan Servicing under the Pay As You Earn program. Everything was fine until XXXX when I was making {$75.00} a month payments and I had just one job. I took out a mortgage loan and my lender gave me {$42000.00} to purchase my home under the assumption I was paying {$75.00} a month for my loan. I started working more jobs and my payments increased. I informed them several times of this issue. Last month my loan was transferred to XXXX along with {$20000.00} in charges and interest buildup that occurred while I was with XXXX. I informed XXXX of the mortgage issue and the fact that XXXX fraudulently took money and transferred my loans to XXXX. I actually owe {$80000.00}, but XXXX received {$100000.00} in loans during the transfer. I want to sue XXXX for fraudulently charging me and transferring my loans.
Product: Debt collection

On XXXX/XXXX/2016 I sent Midland Bank Funding which appears on my credit report A Disputed Verification Letter WHICH STATES I 'M Deragotolry I owe {$550.00} am in collections in reference to a XXXX XXXX account. As I 'm checking around my previous credit report I came across on XXXX dashboard that XXXX account was removed from my account credit report as of XXXX credit report will no longer list this acct.The Acct. number stated XXXX is now under Midland funding .I thought the account was already removed from the XXXX credit bureau XXXX as stated on my credit report of XXXX correspondence I received on XXXX/XXXX/2016 was a letter acknowledging my dispute but nothing else no validation of contract or signature or proof.I sent out a XXXX Dispute Letter to Midland Fund after 31 Days and they sent me on XXXX/XXXX/2016 almost the same letter and a copy of Last Bill dated XXXX the Credit Report Midland Fund is re-aging this XXXXmidland fund as Date opened XXXX XXXX n't this a violation? I THINK SO!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian and XXXX on XX/XX/22 to update this suspicious information. I think Experian and XXXX have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a bankruptcy on 2018, the court grant me the case, but one of the creditors has not remove the amount owe, and they send the debt to a collection company. So, this collection debt still on my EQUIFAX credit report. I already contact Equifax, send them a fax, upload the documents online and Equifax has not removed or fix my credit report information.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS STATE OF MI OFFICE CHI Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This company contacted me from a third party site and asked me to fill out an application on their site and I stated that I do not want my credit pulled so I will not be proceeding nor did I fill out the application. A few Days later they still proceeded to pull my credit. I have contacted them several times about the incident, spoke with XXXX representative who transferred me a XXXX whose voicemail was full. Since then Ive called several other times to which I was supposed to receive a returned call and still have not.
Product: Debt collection

I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. Please note that I requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them.