23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 : DP OF EDUC Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a very payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

My direct deposit paycheck was supposed to hit my account at about XXXX Thursday the XXXX. It is now XXXX XXXX saturday morning. It is a capital one 360 checking account. I tried to reach out to capital one and got nowhere. The only correspondence I have received from them was an email at XXXX XXXX on the XXXX. That email said they were having technical difficulties and the money would be deposited the morning of the XXXX. This will likely cause me to have an overdraft fee on my other XXXX XXXX account because of money I was going to transfer over almost 2 days ago.
Product: Debt collection

These people have texted my cell phone WITHOUT Explicit consent to do so. I did not give them permission to text me whatsoever and have no contract that is legal.
Product: Checking or savings account

I just opened up my XXXX  Checking account and I just found out I have to wait two days for them to unlock my account and then I was transferred to the fraud department and their recording said they are closed. This is unbelievable. I just cashed my cashiers check at the bank for XXXX. I have made arrangements and have bills to pay. I dont understand why they wait till the end of the day to lock my account up leaving me with no access to my money and no answers. Is this how our banking relatiionship is going to be then I do not want my money at US Bank. I can not be going through this. How the bank just says oh wait a couple days for them to review it and unlock it or not. Are you serious. Either someone needs to call me back and provide me access to my account or I need to have this account closed and take my business to a bank who can be customer focused and more professional with me. So here I am left with all my money tied up the same day they made it avaiable to me. I am hoping this is a mistake and someone will call me back and fix this right away. My account number is XXXX. My social security is XXXX.
Product: Checking or savings account

XX/XX/2022 was open business account at US Bank. Banker at branch add promotion code to my account. Spoke more then 10 times with bankers, they said all requirements are met, but they have to send my claim to customer care service and after that is silent. Call again and all repeat many times. Visited my local branch and worker who is open dont understand why they not credit XXXX to my account, also spoke with manager of this branch. Have code, names, everything. Thank you for help. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00} and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}.
Product: Mortgage

Wells Fargo is sending everyone forged fabricated documents. This office has to look at the original documents from county recorders office and match it with what wells Fargo is sending all entities I am placing the complaint with. Wells Fargo had forged all of these papers and I am shocked your office is not comparing what Wells Fargo is sending them with the original documents thats recorded at the county recorders office in XXXX. Wells Fargo had forged a loan number in XXXX and with that they stole my home. If you are not looking at this feud by Wells Fargo and compare what Wells Fargo is sending you with the original documents at the county recorded office Ill hold you accountable for the theft of my home of a forged account and documents that Wells Fargo generated to steal my life liberty and damaged me for life. I hold your office accountable and this means you are getting paid by Wells Fargo to ignore my rights in their criminal acts to steal. I demand in to your office looking at the original documents by WORLD SAVINGS BANK RECORDED IN XXXX on my home located at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 
Wells Fargo had sent you forged fabricated documents and youve accepted it. That is absolutely unacceptable and a crime by your office. I need you to elevate this matter to the highest officer in you office to look at or Ill be forced in to contact military in to do some arrests in your office for attempting to help Wells Fargo with their crime against me and my family.
Product: Credit card or prepaid card

I paid off a promotional balance on XX/XX/21. The balance owed on the promotion was {$180.00}. I paid {$180.00}. I was charged {$81.00} in interest. I tried to have this rectified the following month when I saw the interest charge. I sent multiple messages in regard to the interest charge. I sent another message on XX/XX/21 for a status update was told to call. I called and spoke with XXXX, then a supervisor XXXX ( female ) telling me a letter was mailed to my home which I never received stating the interest charge is valid. XXXX said that because I did not pay over the minimum each month, I owed the interest which does not make sense if I paid the entire balance of the promotion off in time. It shouldn't matter that I did not pay more than the minimum each month if I paid off the entire balance of the promotion before its expiration. I have been charged interest since XXXX so I would like reimbursement of {$90.00} and any additional interest I am charged in the meantime while this is investigated. 
**Update XXXX I was refunded the {$90.00}, however I was charged ANOTHER interest charge of {$2.00}. On top of that, this company has still not applied the payment I previously paid to the payment plan which was to be paid off in XXXX. I have asked them multiple times now to apply payments to that plan specifically to pay it off.
Product: Credit card

On XX/XX/XXXX and XX/XX/XXXX AMERICAN EXPRESS DENIED, DISCRIMINATED AND DAMAGED MY CONSUMER REPUTATION. I DEMAND MY SECURITIES THAT I ISSUED TO AMERICAN EXPRESS BE USED TO OPEN AND FUND MY ACCOUNT. TRUST INDENTURE STATES THE SECURITY INTEREST IN THE COLLATERAL IS GRANTED TO SECURE THE NOTE!! SO WHY WAS I DENIED MY SECURITIES? I ISSUED A SECURITY COLLATERAL ( PROMISSORY NOTE ) THE INTEREST SHOULD HAVE GRANTED ME AN ACCOUNT/CREDIT WITH AMERICAN EXPRESS XXXX 
I BELEIVE MY PROPERTY IS BEING ADMINISTERED WITHOUT MY CONSENT AND I DEMAND IMMEDIATE RESTORATION AMERICAN EXPRESS. AMERICAN EXPRESS RECEIVED A ELECTRONIC CHECK TO OPEN AND FUND AN ACCOUNT FOR A CONSUMER AND INSTEAD STOLE FROM THE CONSUMER. OPEN THE ACCOUNT AND RETURN ALL PROCEEDS OBTAINED WITHOUT MY WRITTEN CONSENT
Product: Credit reporting 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 Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  has violated my rights. Or a 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: Debt collection

The outstanding debt was paid to XXXX directly and by law, they must recall the account from XXXX XXXX. Therefore, XXXX XXXX has no legal reason to be reporting on my credit reports and must delete.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture XXXX, a XXXX and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX XXXX ( b ) ( XXXX ). I kindly request that you block this information from XXXX XXXX XXXX within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my XXXX as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a XXXX XXXX letter according to XXXX ( b ) ( XXXX ).
Product: Debt collection

Sometime last year in XX/XX/XXXX someone used my social security number to obtain cable but never paid for it and now its a XXXX $ collection debt in my name thats preventing me from being able to get a house. Over these past months I have been calling to try and get this off my credit since Im didnt create this debt and havent had no luck
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnished an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

Deposited a check with Wells Fargo on XXXX Was told 4 business day hold. My money are not available yet, they now saying 10 business day hold. In the mean time, i have to use credit cards with interest rate because they are not releasing my funds.
Product: Debt collection

XXXX XXXX XXXX is currently reporting that I owe {$3400.00}. In which I do not this account does not belong to me. I was not properly notified of this account. I was just made aware of it after updating my Credit report.. this is a direct result of identity theft.
Product: Debt collection

On or about XX/XX/2023 ERC, XXXX XXXX XXXX, XXXX FL, made an offer to settle a XXXX debt of {$110.00} for a one-time payment of {$72.00}, however after making the payment they are refusing to honor the terms we agreed to and have been contacting me daily about paying the remaining {$39.00} even though our agreement was to settle the debt. ERC reference # XXXX and XXXX # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XX/XX/XXXX, DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Aggressive Complaint Regarding Continued Violations by XXXX Dear Sir/Madam, I am writing to express my profound frustration and dissatisfaction with the ongoing malpractices exhibited by XXXX, particularly in light of the recent order by the CFPB requiring XXXX to pay {$15.00} XXXX for its improper investigations of credit reporting errors. It is unacceptable that, despite this ruling, XXXX continues to engage in practices that blatantly violate the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681n. 

As evidenced by my recent experiences, XXXX has failed to conduct adequate investigations into disputed information in my credit report. Attached is a letter from First Progress Card, demonstrating that they updated my information and reported it to all three credit bureaus. Despite this, XXXX has continued to report inaccuracies that do not reflect my true credit history. 

It is astonishing that XXXX can disregard the requirements set forth by the FCRA, which clearly mandates compliance and accountability in the handling of consumer credit information. The blatant willful noncompliance exhibited by XXXX not only undermines consumer trust but also causes significant harm to individuals who rely on accurate credit reporting for their financial wellbeing. 

Under 15 U.S.C. 1681n, I am entitled to actual damages incurred as a result of these violations. The lack of thorough investigations into disputed information has led to adverse effects on my credit score and financial opportunities. It is imperative that the CFPB and FTC take immediate and decisive action against XXXX to ensure they are held accountable for their continued negligence. 

I urge you to pursue this matter with the seriousness it warrants and to enforce the necessary measures to protect consumers from XXXX ongoing misconduct. The time for leniency has passed ; XXXX must be made to comply with the law and restore integrity to the credit reporting process. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely,
Product: Credit card or prepaid card

TRANSACTION DATEXX/XX/XXXX DESCRIPTION XXXX XXXX, XXXXBESTBUY AMOUNT {$180.00} STATEMENT DATE XX/XX/2020 REFERENCE NUMBER XXXX TRANSACTION ID XXXX MERCHANT CATEGORY XXXX TYPE PURCHASE
Product: Credit card

I have a secured credit card with Navy Federal Credit Union. I'm not able to make payments on this card. I called their card services department to ask the account be closed and they can bill me for the {$20.00} late fee just incurred. The card services member informed me that the only way to close the account is to pay the late fee first. The implication is that if I'm not able to pay the late fee then the account remains open accruing more lates making it even more difficult to close the account. The credit card is secured and the interest for the month is {$4.00} but the late fee is {$20.00} which also seems to be abusive considering the amount of the interest due for the month. All I am asking is to close the account to not incur additional late fees and I will pay the late fee as soon as I am able.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is attempting to do, the same thing XXXX has done! Trying to drag an ongoing situation, and issues of the past ; which should had been resolved, and settled last year! Why are yourselves, and others in charge keeps : allowing this Credit Reporting Agency, to insist on committing the, same type of offenses over, and over again, against this same consumer??? It's very obvious nothing hasn't been done ; to change Equifax mindset, fabrication, fake investigations, disregard for the rule of law, dysfunction, and ways of conducting business, with this particular consumer! No, I'm not prepared, and nor able to accept : this as normal, and legal in this country ( USA )!!! CFPB please stop playing on my emotions, and on acct of my health crisis expense! Something has got to give, and be done ASAP!
Product: Credit card or prepaid card

I opened an account with Synchrony financial in XXXX of XXXX. My credit limit was {$2500.00} and I have a {$400.00} balance. Since opening the account I have made every payment on time and more than the minimum amount owed. I have two accounts with this company and went on to make my payment this month XX/XX/XXXX ( Due date XX/XX/XXXX ). I got an alert on my phone today XX/XX/XXXX that I needed to make the payment .... so I logged on and realized that I must have never hit submit! Honest mistake ... and because of it I have no problem paying a late fee, extra interest etc. However, this company chose to also lower my credit limit by about 400 % or {$2000.00}. This will inevitably have a traumatic impact on my credit score, by taking my credit utilization from 20 % to 98 % on this card! 

When contacting the company, they stated that they did a review of the account and decided to decrease the limit due to my credit report. Which I could understand ... except my credit score and account standings are even better today than they were when I originally opened the account! 

This is completely unethical and I'm positive that I'm not the only consumer who's been affected by this change! To knowingly cause damage to consumers credit during a pandemic is absolutely abominable and I sincerely hope you can help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB WRITE UP In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX
Product: Debt collection

The following accounts do not belong to me : XXXX  XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX- # XXXX Every other Bureau removed this account. Equifax refuse to. I sent them an FTC report and a police report filed with my local police department and they still have not complied. These accounts are not mine and have not been verified. This has affected my ability to attain credit. Since Equifax has refused to comply and remove these unverified items listen on my credit I have filed a complaint with the CFPB, and contacted my attorney generals office. All proof is attached below.
Product: Checking or savings account

My Chase business account was closed without my knowledge sometime in early XXXX. 

It has now been over a month of calls with the Chase Fraud Department and visits to branches as directed by the fraud department and Chase is still holding {$1900.00} of my money hostage. The fraud department says I have to prove the checks that were canceled were mine in order to release the funds in my account ( even though the account balance is not funded from the canceled checks ). 

All return check fees were payed from my account. All funds from the checks that were sent back were still in the account when they were returned. In other words, I dont owe Chase any money.

I also provided proof that the checks that were canceled were indeed written to me. But now they are saying the person that wrote the check needs to come with me to the branch in order to get my money. 
The checks are cashier 's checks written by the XXXX  of New York. Brining the comptroller of XXXX into the bank with me is not possible. 
And besides all that.. the funds in the account are NOT from these checks that they are harassing me over. 
the account is closed. I do not want to do business with them. all I want is my money. simple.