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

They put stop payment on the cashiers check that I received from my close account! They close all my account XX/XX/year> and receive the cashier check XX/XX/year> deposit them to my business bank account XXXX  XXXX XXXX then on XX/XX/year> my business bank account got closed because of those cashiers check I deposit. 
I called usbank and requested a copy of my initial deposit that they claim never received the funds. 
I was in the usbank when the branch manager said she want to verify my initial deposit so I did verify my self to the check issuer and they verified the check was already cleared by them usbank and they did get verified the check on XX/XX/year> after verification XXXX my initial deposit branch manager still add extra hold on my initial deposit that day and i agree with no problem. 
After XXXX my deposit has cleared and they close my account with out informing me only thing they said I will get a cashier check via mail and I responded to the agent I go Oky thanks. 
Since then I have not received any documents from usbank I have been calling them to give me a written formal explanation on why they put stop payment on the cashiers check and formal explanation on how they determine on their claim that my initial deposit was never received. I called usbank to dispute those deposit since they were not giving me any documents of the rejected initial deposit. They refused to give any service and told me to work with the XXXX XXXX and there is nothing they can do they said so I called XXXX XXXX and let them know about what usbank said then XXXX XXXX  send me all the documents related on my initial deposit to prove that they have the funds and all the checks are cleared cash out by usbank with the initial transfer date. So both of this bank pointing fingers they have no resolution on my issue which is I agree with XXXX XXXX that they have paid all the checks to usbank but usbank doesnt want to do anything than saying I have to work with discover bank to get my money. I have submitted all the relevant documents that discover bank send to prove those initial deposit was cash out by usbank and still didnt say anything instead told me Im harassing them and I keep calling them out over and over. I was shocked when the agent said that to me Im just asking them to give me a proof that they never received the funds from my initial deposit. So I can send it to discover bank since they have told me to work with discover all of a sudden Im harassing them they are told me to work with discover and now I am doing what they say they are telling me my account is closed theyre nothing else they can do because they only work with the account is open. I add the screen shot of those cashiers check that they sent me by usbank.. 
I do have recorded all my conversation with us bank and discover bank and I can share if you want to listen on how they treat me as a customer. I can go more with this or share the voice recording from both banks.
Product: Debt collection

Continues to attempt to collect debt. Refuses to allow proper validation of debt. When trying to dispute they have an auto message that populates which means they are not even looking into my information. Stated payment arrangement was made, I requested recording of such arrangement be sent to CFPB and BBB as well as myself of date that payment arrangement was made. They stated sent certified letter asked them who signed letter as it was not myself. I want signature sent to CFPB. I want original documents and signatures made from myself binding me to a contract with AAS Debt Recovery Inc, as no contract exists to my knowledge. I 'm a XXXX veteran and getting taken advantage of by this debt collection agency who do n't even care enough to hear my disputes. So glad to have fought for someone 's freedom to rip off and misrepresent to others so your welcome for that freedom.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX, COMPLAINTANT has successfully created a joint account with WSFS bank. Account was finalized on XX/XX/XXXX at XXXX XXXX with verification with deposits via a different bank. 
Mobile access and SMS/email notifications were all functional starting XX/XX/XXXX from XXXX XXXX  to XX/XX/XXXX XXXX XXXX  when WSFS security department suddenly restricted the account. 
Representative on XX/XX/XXXX at XXXX XXXX indicated that only the mobile access, not the entire account, was put on block. 
COMPLAINTANT asks that WSFS uses the same criteria against other accounts to restrict them the same way they put a restriction on COMPLAINTANT 's  account. 
COMPLAINTANT acknowledges WSFS 's right to deny/refuse service to anyone for any reason ( as long as not pertaining to age/religion/nationality/race ), however, would like to note that this interaction seems forced by WSFS. By placing a manual and artificial restriction on COMPLAINTANT 's account, WSFS forces COMPLAINTANT to call its customer service representatives. ( To refute this account, WSFS can look into how many of new customers it places restriction on, after new accounts pass enrollment verification that includes credit reporting agency 's questions as well as entering driver 's license and/or passport information ).
Product: Credit reporting or other personal consumer reports

Years XXXX Most of these accounts do not belong to me if sold they violate my rights. I do not owe these companies and they have been wrote off. I will not pay thousands to fraud progressive has no legal contract from me somone falsely gave my name. And still added to my credit I've provided proof to each federal credit bureau and they won't update my credit report
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institute and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA reported 30days late XXXX because their representative told me the wrong payment amount, short XXXX. USAA won't budge even though it was a bank error. I also had late payments in early XXXX on 3 accounts due to terminally ill father 's medical bills. Accounts have been paid in full.
Product: Credit card or prepaid card

I participated in the " Payment Safeguard Classic '' program provided by Citibank through Citi/Aadvantage XXXX XXXX MasterCard. One of the benefits in that program is called Auto/Home/Renter Deductible : " Either the Account Balance Credit or the amount of the deductible whichever is less, up to {$500.00}. The Account Balance Credit is equal to the new balance shown on your statement for the billing period in which the loss occurred. '' On XX/XX/XXXX, I got a car accident and my car insurance paid for the repair but subtracted the deductible of {$500.00}. For that billing period ( XX/XX/XXXX-XX/XX/XXXX ), my statement balance is {$500.00}, so I submitted a claim of {$500.00} ( on XX/XX/XXXX ) as per the  Auto/Home/Renter Deductible benefits. However XXXX XXXX ( the insurance/service provider of Payment Safeguard program ) refused to pay the coverage. They told me the " loss date '' was defined as when the deductible was paid and according to my car insurance company record, they sent me a check to cover repair payment on XX/XX/XXXX which was in the next billing period with no balance. XXXX 's definition of " loss date '' does not make sense to me as I suffered the loss on the day when the accident occurred ( XX/XX/XXXX ) and I have no control over when the car insurance company cut a check to cover my repair, so I asked XXXX where I could find the definition. XXXX told me it should be somewhere in the program T & C. I went back to check the T & C and found no such definition. When I called back to ask for clarifications, I was then told it 's a well known definition, so they do n't have to put it in the T & C. I think they just refused to honor the coverage benefits regardless of the program T & C. I have attached XX/XX/XXXX 's latest version of T & C to show the fact that there is no definition of " loss date ''. I do n't know XXXX 's real intention of not providing clear definition of such an important term. However I believe a generally accepted definition of " loss date '' should be the date when the accident occurs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion doesn't hold a contract with me to report anything on my Estate or corporational being so there operation against me for starter are fraudulent and those of identity theft aside from this problem, They Transunion continues to report I owe a mortgage for a home I purchased back in 2020 XXXX which on the Warranty Deed I provided XXXX XXXX is not in contract. Fraud again against my Estate abd corporational being without authority to operate. I also opened a complaint with transunion calling out XXXX XXXX Fraudulently operations that was opened XX/XX/XXXX its stuck on stage 2 since then 7 months later to much corruption within these organizations.
Product: Debt collection

Beginning in XXXX of XXXX I reached out to Midland Credit to request information pertaining to a debt showing on my credit report that I did not recognize. I requested information and validation of the debt and did not receive any information or correspondents. I sent multiple letters and did not receive any of the requested information. 

In XXXX of XXXX I started receiving court paper and learned that i was being sued for an account I had no knowledge of. 

The Lawyer of XXXX XXXX provided me with a little information pertaining and advise me to speak with the lawyer that actually has my case as he was just feeling in. 

I attempted to reach out to the lawyer with no success. I received documents on XX/XX/XXXX and immediately called the number listed as there were multiple discrepancies with the information listed. The number listed was for Midland credit directly instead of the lawyer. The midland rep stated that she would have the lawyer contact me after we both found some discrepancies as well as Midland shows all my letters that were set to them. 

I have never applied for a credit card account with XXXX bank. The information they have including the credit cards and bill was sent to my old address on XXXX in XXXX in XXXX. I moved from that address in XXXX. 

This debt does not belong to me and was opened without my knowledge and authorization. 

Attached are additional documents for review
Product: Credit reporting or other personal consumer reports

I am reaching out to address alarming inconsistencies in the reporting of a XXXX XXXX account, as noted on both XXXX and XXXX. After a meticulous examination of credit reports, it has come to my attention that several irregularities suggest potential violations of the Fair Credit Reporting Act ( FCRA ). 

Charge Off Reporting on XXXX : XXXX indicates a charge-off on the XXXX XXXX account, yet fails to specify the delinquency or charge-off date. As per Section 623 ( a ) ( 5 ) of the FCRA, creditors are obligated to report such dates to provide consumers with a transparent understanding of their account status. It is imperative to highlight that this account is fraudulent, not in ownership, and should not be reflected on my credit report. 

Collection Reporting on Experian.com : Experian.com reports the same XXXX XXXX account as being in collection, lacking detailed information, which contravenes Section 623 ( a ) ( 1 ) ( A ) of the FCRA. This section emphasizes the necessity for credit reporting agencies to furnish accurate and complete information regarding any collections. Please note that this account is not XXXX in ownership, and it is fraudulent, making its inclusion on a credit report inappropriate. 

Failure to Report Monthly Updates : Both MyFICO.com and Experian.com have failed to reflect monthly updates on the XXXX XXXX account. Section 623 ( a ) ( 2 ) of the FCRA mandates creditors to report accurate and up-to-date information. This lapse in monthly updates hinders the ability to promptly address discrepancies, and I stress that this account, not in ownership, is fraudulent.

Missing 30, 60, and 90-Day Past Due Reporting : There is a conspicuous absence of 30, 60, and 90-day past due reporting on both credit reports, violating Section 623 ( a ) ( 2 ) ( A ) of the FCRA. This section requires creditors to accurately report the delinquency status, including the presence of 30, 60, and 90-day past due notations. Please be aware that this account is fraudulent, not in ownership, and must be expeditiously removed from a credit report. 

Omissions of Account Reporting on Experian.com : Furthermore, I noted that the XXXX XXXX account did not report in XX/XX/XXXX and XX/XX/XXXX on Experian.com, despite being reported as " OK '' ( positive ) on XXXX during the same periods. Such inconsistencies go against the FCRA 's requirement for consistent and accurate monthly reporting. I want to emphasize again that this account is fraudulent, not in ownership, and must be removed promptly.
Product: Student loan

On XX/XX/year> I made 2 attempts to contact American Education Services to understand who actually owns my private student loan so I could speak to the lender directly and explore repayment options. American Education Services is the loan servicer. 

I was instructed by 2 different representatives 2 separate times at American Education Services that my loan was owned by XXXX XXXX XXXX, XXXX and they gave me a phone number to contact them. 

From the first call to XXXX XXXX XXXX, XXXX, I made contact with a representative who said that they do not have a record of owning my loan. I then called back American Education Services and the representative told me the same thing that my loan is owned by XXXX XXXX XXXX, XXXX. I called back XXXX XXXX XXXX, XXXX, this time with a conference call with the AES representative on the line, and we were on hold for roughly 10-15 minutes and eventually ended the call as we were not able to reach anyone to verify AES 's XXXX that says XXXX XXXX XXXXXXXX XXXX XXXX owns my loan. 

After this failure to reach an entity who said they do not own my loan, I was then advised by the American Education Services representative that " they probably have different departments and can't find your information '' and then told me it might be best to write a letter to XXXX XXXX XXXX, XXXX instead. 

I told the AES representative that this suggestion and this whole experience was unacceptable and that I was highly dissatisfied with this service. I felt like I was being directed into a revolving turnstile and still to this date do not know who owns my loan, or how to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma presented several offers regarding a loan so I looked at them. On XX/XX/2022, I received an email regarding a decision on a loan with XXXX XXXX but I did not give permission to pull my credit report. Credit Karma did the same with credit card offers guaranteeing approval which was incorrect. 
On XX/XX/2022, I lifted the freeze on my XXXX report for another company and XXXX XXXX pulled my credit while unfrozen XX/XX/2022. Credit Karma and XXXX XXXX must work together to get customers for companies. I am a Identity Theft customers that lead me to freeze all the Credit Bureaus. In addition, any company should call me before any processing.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effect measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected Furthermore, they dispute resolution process was unfair and deceptive, as they did not comply with error, resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I was charged by Bank of America for {$35.00} late payment charges XXXX in the past XXXX months. I understand I was late on the payment in XXXX and XXXX, but I still think {$35.00} late payment charge is ridiculous. I contacted them multiple times and they said they could not waive the fees for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that all addresses associated with my credit report be removed in compliance with the Metro 2 format guidelines. As a consumer, I have the right to ensure that the information contained in my credit report is accurate and up-to-date. In accordance with this right, I am requesting that all outdated and irrelevant addresses be removed from my credit report. 

As you may be aware, the Metro 2 format is a set of guidelines established by the XXXX XXXX XXXX XXXX ( XXXX ) for credit reporting agencies. These guidelines are designed to ensure the accuracy and completeness of credit information provided to lenders and other interested parties. In accordance with these guidelines, I am requesting that all addresses be removed from my credit report that are no longer associated with my current residence. 

I am also requesting that you provide me with written confirmation that these addresses have been removed from my credit report, in accordance with the Metro 2 guidelines. I understand that failure to comply with this request may result in legal action, as it is my right as a consumer to ensure that the information contained in my credit report is accurate and up-to-date. 

Thank you for your prompt attention to this matter. 

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

OneMain 's response to my previous complaint to them is unacceptable! They stated that the credit bureaus don't allow them to delete credit inquiries, knowing FULL WELL that the credit bureaus MUST BE NOTIFIED BY THEM to delete credit inquiries! I have ALREADY disputed these inquiries with the bureau ( they're only reporting with XXXX   ) and the keep coming back TELLING ME TO CONTACT THE CREDITOR/COMPANY! So NOBODY is responsible??? I NEVER did ANY inquiries/applications with you all! Where's your proof??? I will repeat what I stated in my previous complaint : There are three hard inquiries that are illegally reporting in my XXXX  credit file for OneMain /  OneMain Financial. My XXXX  was dinged on XX/XX/2017, XX/XX/2017, and XX/XX/2017 ; two have XXXX area locations and one has the corporate XXXX, IN, location. None of these inquiries have permissible purpose to be reporting in my file. Permissible purpose is pulling for employment, court order, insurance, or includes a firm offer of credit. The inquiries do not fall in any of those categories. I do not have any accounts with OneMain and never have, nor did I apply. Moreover, I called them yesterday and both a local rep and a national rep said that all they see in their system are two RECENT inquiries attached to FLORIDA locations, of which I also have absolutely no clue about. I gave them my social security number to check their records. PLEASE NOTE : I repeat, OneMain does not even have record of the three inquiries reporting in my XXXX credit file. They need to be deleted immediately. I gave the dates and locations of the inquiries to both reps and they said that all they saw were the two RECENT inquiries. I was given reference numbers for those : XXXX and XXXX. They ALSO need to be deleted, especially before these rogue inquiries reach any of my credit reports. I had previously disputed the three inquiries twice that are in XXXX, so what all this means is that the so-called investigation XXXX  and/or OneMain Financial did both times was completely nonexistent. I will be filing a separate complaint against XXXX.
Product: Credit reporting or other personal consumer reports

I disputed with the credit report company Transunion to update my credit but unfortunately I have been told the informations are correct and give me your number and your website I would like you to remove the fraudulent report on my credit report Sincerely thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following elements from my file : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX {$3700.00} ; XXXX  XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX XXXX : {$2500.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.