23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Please reference Complaint XXXX and the attached response for that complaint for the original occurrence of this Venmo outage. I'm filing this new complaint with CFPB to share : ( XXXX ) the issue is still ongoing and ; ( XXXX ) Venmo has been caught lying to the CFPB in its prior correspondence. 

Specifically, I was again locked out of my Venmo account on or around XX/XX/XXXX. I called Venmo support and the agent explained it's a known " glitch '' on their end, there's nothing the customer can do, when a customer has the " glitch '' it tends to come back, and customers just need to call back when it happens for them to apply the fix again. The agent put me on hold and after a little back and forth I was able to log into my account again. 

Note in the prior CFPB complaint, Venmo represented to CFPB that there was no outage and that the account lockout experienced was a security measure, not an error. Venmo also represented that it was acting in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine : FCRA violations : XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT ECSI/KEISER UNIVERSITY ACCOUNT XXXX XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The ending balance should have been {$55.00} instead of the current bal ending XX/XX/XXXX as two additional credits appeared before the ending of the statement. When I tried to contact him about it I was put on all and hung up on more than three times.
Product: Debt collection

This account was placed on my report on XX/XX/2021 before I was given the opportunity to dispute it or pay it. The company did not send a letter explaining anything until AFTER it was placed on my report. My rights have been violated and my credit profile has suffered because of this. I have attached proof that this account was placed on my report BEFORE I was notified. Also, my request for a signature or proof that I was a tenant at the time the gas was allegedly used, was ignored. My lease wasn't renewed so as of XX/XX/2021, I was no longer a tenant and my services with XXXX XXXX XXXX were non existant. I also included the screen shot of the deletion and illegal reinsertion of this account. I wasn't notified by Diversified Adjustment ServiceXXXX about that either. All of these violations calls for an immediate deletion from all XXXX bureaus.
Product: Mortgage

I paid off my equity loan and ask the bank employee to close my account. Also there was an overpayment of {$1000.00}. It happened in XXXX XXXX of 2015. It has passed a month without a refund of the overpayment when I went personal to the bank branch to ask for the refund. XXXX XXXX, the personal banker called the department that handle it and he was told that a check have been sent to my address, but if I have not received it, they will place an stop paymen t in such a check and issue a new one. So far I have not received the check, but continue receiving the bank statement, that mean my account have not been closed as I requested and the overpayment check has not been made. 
The bank account is # XXXX, Fifth Third Bank, North Carolina
Product: Credit reporting or other personal consumer reports

I took out student loans through XXXX while I was in college for my Bachelor 's and for part of my XXXX XXXX XXXX. The student loans on my credit report were correct until recently. I knew XXXX changed service providers as I got a notice of this on XX/XX/2024. I recently had my credit pulled for a XXXX XXXX XXXX and it is showing duplicated accounts of my student loans. After researching online, it is a known issue that many consumers ended up with duplicate records on their credit report. ( https : XXXX ) I am now in the process of attempting to get this corrected so I can be approved for my XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

my account on their web site is not functioning, linkage is there but I could not open it so I could not see all transactions or detail. I asked them to fix it but they did not so request to get some paper bill but they did not so they are harassing me. 
I earned some interest and reward money but they did not send me any. 
There is no trust between us.
Product: Checking or savings account

Hello, my name is XXXX XXXX and I opened an account in Bank of America for XXXX XXXX XXXX XXXX XXXX XXXX on the XXXX of XXXX. I funded the account that day as well. They told me my deposit will be on hold because my account is new and they gave me the date of the XXXX. That day came and they actually froze my account and have not let me had access to it since then. I know that everything I deposited has cleared. The money is in my account. Some bankers when I call will tell me some information and other ones will not. They don't have a good communication about what's going on with my situation and therefore don't know what to tell me I feel. They sent me a letter on the XXXX of XXXX dated that said that they have decided to close my account which is fine. I would like my funds to be said to me via cashier 's check and my name sent to my address on file which is XXXX XXXX XXXX, XXXX XXXX California XXXX number XXXX. I've tried to call. I've tried to go into the branch they say in the branch because they comes on hold. They can't let me close the account on my own when I call the back office to say I need XXXX of them XXXX because they can't talk to me over the phone. They are playing games with me. I feel and not treating me fairly. They are the ones who decided to close the account. So I want that to happen and my funds to be mailed to me. I know that my funds have cleared and are in my account as we speak banker. Multiple bankers have told me when I've gone into the branch I have to tell her desk have told me my balance and over the phone they're told. So please help me to resolve the situation and get this taken care of.
Product: Debt collection

I have not been to XXXX XXXX XXXX in almost 12 years if not longer i dont evengo to any Drs up in XXXXXXXX XXXX all my medical is down in XXXX.This is not my debt to pay. Apprently they have me mixed up with another XXXX XXXX
Product: Debt collection

Capital link and management has phoned my number repetitively, 3 times today alone leaving intimidating messages on my answering machine beginning at XXXX XXXX  for a XXXX XXXX, although being told they have the wrong number this has continued. The number is XXXX. After contacting them 3 times today they are telling me there is nothing they can do, unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for over a year and nothing has been resolved. 
PER 17 CFR 248.7 by law XXXX XXXX  informed me this was a no credit check application. XXXX XXXX, XXXX, XXXX  and equifax were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did .They have been reporting fraudulent information on my consumer report I have sent in police reports and ftc reports and they continue to report illegally to my consumer report. Due to the privacy act of XXXX it is very illegal to obtain my information without notifying me first, I have no knowledge of this account i have no knowledge of who these person are. I have never given this company my information and the way my information was obtain is a privacy act of XXXX concern. Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of XXXX. According to 15 USC 1681C-2 They have XXXX days by law to remove thier information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance 15 USC 1681n .
Product: Credit reporting or other personal consumer reports

We are a bank and worked for months with Equifax and XXXX to get our data reporting switched from in house to our core processor submitting the files. 
We were not notified by Equifax or XXXX that our files were not uploaded, so consumer information was incorrect for months. 
I talked on the phone and emailed with different departments with no call back or email back. 
When data was finally uploaded, we did not get a confirmation that it was completed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX  for multiple violations of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and other federal credit laws. The following issues require immediate correction : 1. Re-aging of Charged-Off Debt ( FCRA Violation 15 U.S.C. 1681s-2 ( a ) ) XXXX XXXX XXXX  continues to report the charge-off every single month for years, making it appear as a new late payment rather than a past delinquency. This is illegal re-aging, as charge-offs should only be reported once at the date of charge-off. Monthly charge-off reporting extends the statute of limitations unfairly and damages my credit inaccurately. 

XXXX. Reporting an Inaccurate Balance After Charge-Off ( FCRA Violation 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Under the FCRA, once an account is charged off, the balance should reflect the final amount at the time of charge-off. However, XXXX XXXX XXXX  has continued to adjust the balance after the charge-off date and has reported inconsistent balances across different credit bureaus. This indicates improper reporting, failing to ensure accuracy as required under federal law. 

XXXX. Unfair & Excessive Fees Beyond Credit Limit ( TILA Violation 15 U.S.C. 1601 et seq. ) The balance reported far exceeds the credit limit at the time the account was active, indicating excessive and possibly unlawful fees added after charge-off. The Truth in Lending Act ( TILA ) restricts unfair finance charges and misleading credit practices, which XXXX XXXX XXXX  appears to have violated. If the fees exceed what was contractually agreed upon, they must be removed. 

XXXX. Failure to Properly Investigate Past Disputes ( FCRA Violation 15 U.S.C. 1681i ) I have disputed this account multiple times over the years, yet XXXX XXXX XXXX  has failed to conduct a reasonable investigation and has not provided verification of the reported information. Each time, they simply verified the data without producing documentation to substantiate their claims. This is a clear violation of the requirement to conduct a proper investigation under the FCRA. 

XXXX. Reporting a Charge-Off While Still Attempting Collection ( Deceptive Collection Practice 15 U.S.C. 1692e ) Despite reporting the account as a charge-off, XXXX XXXX XXXX  has continued collection efforts, which can be misleading and deceptive. If an account is fully charged off and closed, it should not be simultaneously treated as an open collectible balance. This raises concerns of deceptive and unfair debt collection tactics. 

See attached credit reports from XXXX and XXXX, which clearly demonstrate continued charge-off reporting with an outstanding balance. Additionally, the repeated monthly charge-off updates constitute unlawful re-aging of debt under FCRA 15 U.S.C. 1681c. These violations misrepresent the accounts status and artificially extend derogatory reporting beyond the legally permissible timeframe.
Product: Debt collection

XXXX place a lien amount of XXXX owe to do for tax year XX/XX/2010. I was told that they never received my state XXXX. After submitting the information requested. It show that a refund was owe to me instead of me owing them. I have tried several times to have this remove from crediting reporting agency Equifax but no success. All other credit reporting agency has removed this information. I requesting that this information be removed because it was not accurate in the first place. Stating paid in full is not a true statement. When I did not pay anything because the owe me.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT/PRINCIPAL I am writing to bring to your immediate attention the significant inaccuracies and incompleteness present in my credit report as furnished by your agency. Upon reviewing my credit report, I have identified numerous discrepancies that require thorough investigation and rectification. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I am entitled to request that you conduct a reinvestigation of all accounts and information that I believe to be inaccurate or incomplete. Additionally, I demand that you provide evidence under 15 U.S. Code 6801 regarding the source and Maximum accuracy possible of the information contained in my credit report. 

Furthermore, I request that you furnish a detailed description, as required by 15 U.S. Code 6802, outlining the specific measures taken to collect, maintain, and report my nonpublic information. It is imperative that you adhere to the legal standards set forth in these statutes to ensure the protection of my privacy rights and the accuracy of my credit report. 

Failure to comply with these demands may result in severe consequences, including civil liability for damages incurred due to the unauthorized collection, theft, and furnishing of my nonpublic information. As evidenced by past legal precedents, such as lawsuits against XXXX, XXXX, and Equifax, credit reporting agencies have faced substantial financial penalties for violations of the FCRA. 

For instance, in the case of XXXX XXXX XXXX XXXX ( XXXX ), XXXX faced a {$60.00} XXXX settlement for inaccurately labeling consumers as potential terrorists or drug traffickers. Similarly, Equifax settled a lawsuit for {$700.00} XXXX in the aftermath of the XXXX data breach that exposed the personal information of millions of consumers. XXXX also faced legal action and financial penalties, such as the {$18.00} XXXX settlement in the case of Consumer Financial Protection Bureau ( CFPB ) v. XXXX. 

I hereby demand that your agency immediately initiate a thorough reinvestigation of all accounts below, and information on my credit report that I believe to be inaccurate or incomplete. Additionally, I request that you provide evidence and detailed descriptions as outlined above. 


[ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ] Failure to comply with these demands within will leave me with no recourse but to pursue legal action to enforce my rights under the FCRA. As evidenced by past lawsuits against XXXX, XXXX, and Equifax, credit reporting agencies are held accountable for violations of consumer rights. 

Your prompt attention to and resolution of this matter are imperative. I expect to receive confirmation of the commencement of the reinvestigation process and the provision of requested evidence and descriptions within the specified timeframe. 

Thank you for your immediate attention to this urgent matter.
Product: Checking or savings account

How Citibank Policies Let Fraud Win and Penalize Working Parents Im a longtime XXXX XXXX and filmmaker who has spent years working on documentaries and collaborating with nonprofits across XXXX, including XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I live in XXXX with my family, including my spirited XXXX daughter, who inspires much of what I do. 

Recently, I directed and produced a short documentary funded by the XXXX XXXX, which provides grants for XXXX education. This project was deeply meaningful to me, both as a filmmaker and as someone dedicated to preserving history and raising awareness. 

But in XXXX, while working on this project, something devastating happened : a check I issued to a crew member was stolen and whitewashed. The thief altered the amount to {$4900.00}, changed the payee, date, and even forged my signature. They cashed it successfully. I only discovered the fraud months later while reviewing records after a particularly overwhelming periodbalancing this film, raising my daughter, and trying to help my dad from afar when he suffered a XXXX. 

Initially, Citibank acknowledged the fraud, reimbursing me because the handwriting didnt match mine. It seemed like a clear-cut case of fraud, especially since I have a carbon copy of the original check and evidence that the criminal involved is a wanted felon. However, weeks later, Citibank reversed its decision, citing a XXXX reporting window in their policy. This reversal felt like a punishment for being a working mother with caregiving responsibilities. 

Even my XXXX XXXXXXXX admitted she doesnt always review her statements within 30 days. And my contact at the XXXX XXXX summed it up perfectly : These for-profit companies are set up to deny claims, letting felons win and saying they dont care about the fraud. It feels like a system designed to favor corporations over consumers who may not have the time, resources, or energy to fight back. 

This experience has left me questioning whether policies like these genuinely serve the publicor if they are simply a way for banks to avoid accountability. Are we really expected to act as our own fraud departments, sifting through every transaction while managing the demands of work, family, and life? 

It reminds me of something XXXX XXXX XXXX, a XXXXXXXX XXXX and subject of one of my earlier films, often said : Just because something is law, does not make it just. Policies like these dont serve justice ; they protect profits at the expense of consumers like me. 

This situation is not just about one check. Its about how systems fail people every dayespecially those who already have too much on their plates. Its time to start the larger conversation about the responsibility of banks to protect their customers, not penalize them for being human. 

XXXX XXXX
Product: Checking or savings account

RE : Fingerprint Requirement to cash checks - Possible Security RISKS to personal technology and privacy - MUFG Union Bank  Office of the President and XXXX XXXX XXXX CFPB, MUFG Union Bank, XXXX XXXX and XXXX XXXX : This complaint was filed due to not receiving any response about my check cashing experience at your bank located in California. I am a current safety box ( Signature Card Holder ) at branch that cashed check. Please ask XXXX that she can verify my signature on file and she knows me as I am a former employee. Is this the way you treat ALL former employees of the bank? 

On XX/XX/2019, I went to the local branch of Union Bank or MUFG Union Bank and wanted to cash a check written to me from my mom ( Check Number XXXX in the amount of {$760.00} was drawn on Union Bank ). I went to the teller window and was asked for 2 pieces of Identification. I had that and provided it. Next, they asked me for ID to cash my mom 's check. I was shocked at the request and had the employee ask XXXX ( Customer Service Manager ) if I still had to give the fingerprint even if she can vouch for me as a her former employee. According to her, I was required to provide the fingerprint. It hurt me that they did not trust me cashing my own mother 's check. 

Trust is very important and I did nothing wrong for them to treat me less than equal to other former employees. Also, due to the new smartphone technologies, fingerprints are now more a security or privacy risk and can be a possible violation of 4th amendment rights. The use of fingerprints as unlock feature can pose as this risk and the bank should protect consumers, as well as, find new ways to secure assets. No one believes me. 

I previous complaint was filed with the CFPB and hope this can be resolved correctly. Can you please ask XXXX XXXX why I am unable to bank with my family at Union Bank or MUFG Union Bank and to avoid these type of check cashing issues in the future? 

Respectfully submitted for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX submitted to Experian on XX/XX/XXXX that I was deceased. This is incorrect and Social Security has notified XXXX XXXX of this but they have still not corrected my information with Experian. So my credit score went from XXXX with Experian to XXXX, I can't get credit, I can't refi, I can't get a loan, and this will interfere with me getting a job. XXXX XXXX is ruining my life and even though my identity and proof of life was made clear to XXXX XXXX by me and by Social Security Administration. XXXX XXXX is not moving to fix this with Experian. Their record keeping and accuracy is obviously wrong. What else is wrong? And when given the facts, by SSA they still do not move to fix it. Please, I need my credit and my life back. Thank you
Product: Checking or savings account

Wells Fargo has been charging me rediculous international fees to use my debit card. What a rip off and complete scam. Each transaction has resulted in a fee. I need this money reversed immediately. Why keep my money in a bank that's going to nickel and dime its customers any chance it gets with fees.