23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently used XXXX Banks pre-approval process to check for my pre-approval status through their website. The process advised that checking your pre-approval status does not adversely affect your credit and no hard credit pull is initiated. However on XXXX separate occasions, after checking my pre-approval status, I received notification from XXXX that a hard credit inquiry was made on my TransUnion credit report. I contacted XXXX Bank by phone and was directed to their credit department. I explained what happened and the agent advised there were no open or closed credit applications that corresponded to the inquiry dates. They further advised they would escalate this matter within their department. I received follow-up correspondence from XXXX advising the XXXX inquiries would be removed.
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 number : XXXX, Account name : XXXX XXXX XXXX has violated my rights. 
- Account number : XXXX, Account name : XXXX has violated my rights. 
- Account number : XXXX, Account XXXX : XXXX  has violated my rights. 
- Account Number : XXXX, Account name : XXXXXXXX XXXX  has violated my rights - Account number : XXXX, Account name : XXXX XXXX has XXXX my rights - Account number : XXXX, Account name : XXXX XXXX XXXX XXXX has violated my rights I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

On XX/XX/2020 I patronized a XXXX property that utilizes XXXX XXXX XXXX as a payment processor. I noticed that the merchant charged {$550.00} for charges that were already pending from XX/XX/XXXX. The merchant indicated that the charge could not be voided because it was transacted on XX/XX/2020 unbeknownst to me. There are pending authorizations from XX/XX/XXXX that have not cleared the account. I asked the merchant if these were finalized and the manager indicated that he had no way of knowing if they were and also that XXXX XXXX services refused to remove authorizations despite the merchant being paid. This has been a constant issue. There is another authorization that is currently pending from XXXX XXXX XXXX XXXX XXXX in the amount o f {$150.00} from XX/XX/2020 resulting in a hardship for my family during the pandemic. I ask that the Federal Reserve and other regulatory authorities look into these procedures, because this seems to be an issue with batch processing of transactions. The merchant in essence has created a new charge and been paid for it while having authorizations pending on a consumer 's account. The total pending authorizations are well over 20 days and total {$930.00}. Please review this as soon as possible as this a situation that can be concluded quickly. Thank yo u for your assistance.
Product: Debt collection

I am filing this complaint because XXXX XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. I have requested for the original contract papers with my signature to prove this debt is valid. It has been well over two weeks and I have yet to get a response
Product: Checking or savings account

Spent XXXX min on phone with rep who refused to tell me why my acct was closed or why I " owed them money ''. Refused when I asked for supervisor and basically said oh well! I barely ever used this card. What do I owe and will this show up on my credit? Can I fix? What's going on?
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I had sent an email to XXXX XXXX to revoke ACH consent as I am struggling financially and need to set up a different payment plan. I also sent a Cease Communication notice and advised them that I would reach out to make arrangements when I was able. On XX/XX/XXXX they withdrew funds from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent out a validation of debt letter one XXXX XXXX to Experian for reporting inaccurate information from this company that I have no knowledge of thats saying I owe them and that company which is XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was owed a refund. Check was sent to an old address. By the time I got it, it was no good ( bounced ). I wrote a letter to the company XX/XX/2018 with my new address requesting another check. They said they sent it ( to the wrong address again ). Eventually i went to the XXXX XXXX XXXX of XXXX. The repeatedly said they sent one but didn't. This time they said they sent it XXXX to my current address over a week ago ( so they lied again ) but said " the CFPB now has the funds '' and I need to contact you! 

XXXX, XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX , XXXX, MA XXXX XXXX {$170.00} owed to XXXX XXXX by XXXX XXXX XXXX XXXX. XXXX  Case # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding a consumer credit transaction with your company. I demand that you Cease and Desist from disclosing/reporting any of my old/new " nonpublic personal information '' with all " nonaffiliated third parties '', which includes XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX etc.. 15 USC 6801 ( a ) clearly states : " ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Please be advised that you have a legal obligation to protect and not share my nonpublic personal information. 

" Nonaffiliated Third Party '' Defined : The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, '' Furthermore, I Do not and have never given your company consent to share my nonpublic personal information, and should there be an " Non-disclosure '' clause in your agreement/contract giving you the option to share my nonpublic personal information, I am demanding that your company provide me with the original unaltered agreement/contract with said clause included so that I can opt-out of your sharing of my nonpublic personal information. 

Per 15 USC 6802 - Obligations with respect to disclosures of personal information Before you shared my nonpublic personal information with nonaffiliated third parties, you were obligated to A ) provide me with a physical or electronic notice informing me that my nonpublic personal information may be shared with nonaffiliated third parties, B ) Give me an opportunity, BEFORE such information was shared to direct that such information not be shared AND C ) Provide me with an explanation on how I can exercise such nondisclosure option. 

With that being said, you infringed upon my privacy, violated several federal laws and took advantage of me by not informing me of my rights. Due to your negligence and furnishing/reporting of my nonpublic personal information to nonaffiliated third parties such as XXXX, XXXX and XXXX, I have been damaged, embarrassed and forced to miss out on personal and business opportunities. I hereby demand that all negative information ( E.g. Late payments, payment status, status, remarks, payment history guide ) regarding the account referenced below be removed and updated to Paid on time, Paid as agreed etc. 
account number " XXXX ''. Should you accept my demand, I will not escalate this matter further to a federal complaint and or suit. Thank you for your attention to this matter. 

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

On XX/XX/XXXX, a certified letter was sent requesting that Equifax investigate an account listed on my credit report as XXXX XXXX XXXX. Since then three more certified letters were sent requesting reinvestigation of the same account. Those letters were dated for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After months of dispute letters with no investigation into the requested account, the last dispute letter date for XX/XX/XXXX yielded mailed results and those results still did not include the investigation results of XXXX XXXX XXXX After multiple attempts with no response concerning my dispute. I sent one last and final letter to Equifax on XX/XX/XXXX advising them aware of the error on their part and demanded that the account be deleted given that a reasonable investigation was not conducted initially nor was there any correspondence received. Today I received results in the mail from Equifax stating that the account was " modified '' and the debt is still not listed as disputed. According to the FCRA, failing to list the account as disputed after a valid dispute has been sent to the credit reporting agencies is a violation. Equifax has blatantly failed to comply with the law and has denied my rights as a consumer. I have attached screenshots of all tracking numbers and a copy of my very last dispute letter.
Product: Credit card or prepaid card

-I travelled to XXXX for my Meetings on XX/XX/XXXX- XX/XX/XXXX. 
-I have Citi bank credit card & it can be used internationally without any fees. This is the reason I got this card. 
-XX/XX/XXXX I reported ~2 unknown activities from merchant XXXX XXXX XXXX  which happened within seconds ( saw it online transactions at my phone ) for {$1100.00} & {$750.00} amount. 
Immediately checked my wallet & card was in wallet in my hotel room. ( I was leaving my wallet in my hotel room during bath, gym etc. ) - called the bank & Card was immediately closed & I opened the dispute. 
-XX/XX/XXXX Citi bank reported that they will not consider this as fraud because card is not stolen. ( why would I say its stolen if its in hotel room? ) -I asked if bank/they reached out to merchant & find what was bought but I believe they failed to do so because they simple considering this transaction is valid. 

I strongly believe that its a standard process where when large amounts get transacted from a card within seconds, bank get alerted & block the transactions & alert. 

Bank didnt alert me & stated that because I was traveling, they didnt alert me & it was a registered trip. Does this mean bank lets the fraud happen? & how about 2 transaction continuously happened at same place, same merchant, big amounts, somewhere in XXXX & bank dont care? 

Also I believe banks didnt investigate properly & just because card was with me they got a reason to cancel the dispute. Anyone could have took the card & swipe away. I guess its not hard to keep a card swiping/reader machine with you if you are a fraud? 

-did they find who was the merchant? 
-what was purchased? 
-who they reached out to find out if its correct? 

What is the point of 0 % liability & protection from bank if they deny this kind of fraud. 

Please help resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  account # XXXX, has violated my rights.

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 : also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian tries to get me to pay them a monthly fee in order to raise my credit rating, a credit rating which they generate. They also lower my credit score and make many more attempts to get me to borrow money when I pay off my debts.
Product: Money transfer, virtual currency, or money service

My digital wallet was closed by XXXX and sent to Client Services and reported ad bad debt written off..We agreed to settle the account for {$320.00} which would be full payment and account was to be reported as fully settled. I made the payments in installments on XX/XX/20 for {$150.00} and XX/XX/20 for {$150.00}. No corrected report has been sent to the credit bureaus.
Product: Debt collection

Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX  automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Product: Checking or savings account

Re : CBFP Complaint Regarding Closure of Debit Card for Representative Payee Account Ending in XXXX Debit Card Ending in XXXX To Whom It May Concern : I am writing to formally file a complaint against Wells Fargo Bank regarding the closure of my debit card ending in XXXX and the revocation of my ability to receive a new debit or ATM card for a period of one year on my representative payee account ending in XXXX. I have been a loyal customer for over 30 yearswith a history spanning Wells Fargo, XXXX, and XXXX Unionand I am extremely concerned by this action. 

The closure of my debit card, based on a risk report initiated by your claims department, appears to be both inaccurate and unfair. In my view, the report is not only out of the claims departments jurisdiction but also violates federal consumer protection standards. Specifically, I believe that Wells Fargos actions conflict with the protections afforded under Regulation E ( 12 CFR Part 205 ) and related federal rules governing electronic fund transfers. Moreover, as my account is designated as a representative payee accounta status which carries special responsibilities and safeguards as outlined in Social Security Administration guidelinessuch restrictive actions should not be taken without clear, substantiated evidence and a fair review process.

I have already spoken with members of your claims department, as well as with an executive representative named XXXX, following a prior complaint. Despite these discussions, I have not received a satisfactory explanation or resolution. I provided all information to the best of my knowledge, truthfully and accurately, when filing claims. Therefore, I respectfully request that Wells Fargo reconsider its decision, reinstate my debit card privileges, and re-issue a new card for the above-referenced account immediately. 

I would appreciate a written response outlining the basis for your decision and detailing the steps Wells Fargo will take to remedy this situation. Please be advised that I am prepared to escalate this complaint with the appropriate federal and state authoritiesincluding filing with the Consumer Financial Protection Bureau and seeking legal counselif this matter is not resolved promptly and fairly. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

The Lease end was on XX/XX/XXXX. A preliminary inspection ( not a final inspection as per GM and the inspection company ) was done on the car on XX/XX/XXXX and the report indicated about scuff marks on the headliner and charges were assessed to replace it and the charges were {$1800.00}. 

Post this report, I took the car to a body shop to check on how to fix the scuff marks, the body shop informed me to use fabric cleaner or upholstery cleaner and showed how the scuff marks can be easily removed. I took care of the scuff marks as they noted just by using the upholstery cleaner. I have performed the work. 

When I turned in my vehicle on XX/XX/XXXX at the dealership, as promised by GM Financial team, they NEVER performed any inspection on my car as part of end of lease return which they were supposed to do. Instead they sent me the bill for excess wear that they assessed in preliminary report done in XX/XX/XXXX. 

Since then, I have been going back and forth with multiple agents from GM financial explaining that these are charges I am not responsible for and that I am willing to settle all other charges if they remove this charge only to find that they didnt accept my explanation, pressing me for evidences of any receipts or photos. Fortunately I found one photo that I took in XX/XX/XXXX which I submitted to them as proof that issue is taken care. 

Yet they keep a blind eye and ear to all my proofs and conversations, and kept pressing charges, reporting to credit bureau that I am delinquent on my payment hurting my credit score, credit worthiness that I have built from XXXX where I dont even have a single black remark or late payment. And this is hurting my lending ability as I am in the process of taking loan for my new home purchase.
Product: Credit reporting or other personal consumer reports

Last year XXXX XXXX our mortgagor, reported XXXX late payment that arrived on time automatically but was short due to an increase we were not aware of. Apparently our fault as they supposedly sent a notice. 

Then I was notified of a reduction, big reduction in my credit score. 
Then I filed a complaint. case closed then we are notified our personal information has been " compromised '' so as instructed we sign up for " True Identity '' through Transunion reporting services where if you call you get someone in another country and the guy who barely speaks XXXX asks for my FULL SS #. I hung up. 
this year i get another credit reduction and ( after the last complaint ) yesterday I was notified my credit score had been updated to XXXX, another reduction! For what?! 
I am XXXX XXXX XXXX and have been independent financially with an XXXX-credit score. 
My score is now XXXX! 
**I paid off a XXXX loan on my house in XXXX  years, NEVER pay bills late so what is going on here! I've had car loans, a mortgage, excellent renting history before buying again. I've had many credit cards all accounts closed in good standing. 

Please help me get some answers and justice with these unscrupulous corporations.
Product: Debt collection

I NEVER lived in North Carolina. So how can l be charged for something l dont know about. 
Yes l had family there and still there.l just recently got an INCOME. I HAVE NOT DID ANYTHING TO OWN ANYONE. SOMEONE MUST HAVE USED MY NAME.I AM NOT RESPONSIBLE FOR THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has an 60 Month installment loan with Navy Federal Credit Union open on XX/XX/2018 to present that is paid as agreed on monthly basis. My XXXX  credit report is reading a Navy Federal Credit Union revolving loan instead of 60 month term installment loan, because it is missing 60 term on loan in the correct box under terms. Please update and correct my Navy Federal Credit Union Loan from revolving credit loan to 60 month term installment loan with XXXX, XXXX, and XXXX. For the months and duration of loan, it is missing 60 month term in correct box, Please add 60 month term to this loan in the correct box. Navy Federal states problem is with XXXX. XXXX  states problem is with Navy Federal Credit Union. XXXX XXXX XXXX just wants 60 month term loan corrected with both XXXX  and Navy Federal Credit Union immediately.
Product: Mortgage

In a previous comlpaint, ID : XXXX, the following issues had been addressed : New Rez/Shellpoint Mortgage failed to pay taxes to XXXX County, Minnesota from my escrow account making me delinquent in my property taxes due, taxes were paid to City of XXXX, Virginia, New Rez/Shellpoint Mortgage failed to property record tax information provided by XXXX XXXX XXXX who originally granted the mortgage, New Rez/Shellpoint failed to take any action for several months so that the delinquent tax bill accrued interest. 

In XXXX, I was notified that the tax payment to XXXX XXXX, Minnesota had failed and that the first semiannual taxes remained unpaid. In addition, the second semiannual taxes were due on XX/XX/XXXX. Now, I am very much overdue for the first semiannual tax, and now overdue for the second. There has been no further communication since I submitted my documentation stating so. New Rez/Shellpoint must pay the taxes properly so that it no longer negatively impacts my life, credit, and future career as a lawyer.
Product: Checking or savings account

We have done business with a bank for more than several years, and have had a money market fund the entire time. That account included transactions by check, EFT, and checks issued at a branch. Being a money market fund, we abided by the restrictions of Reg D. We recently ran out of checks for this account, and have been refused in our attempts to order checks. 
Since this has been a demand account from its inception, with check access in place the entire time, I refuse to believe it is within my bank 's right to restrict access to MY funds in this manner, especially in light of the fact that applicable regulations were abided by, even with check access to our account. I will be glad to pay the bank 's price for checks, but I have not been offered that opportunity. The manner in which we conduct our household business has been built around check writing and transfer ability from all of our PNC/ banking accounts. That my bank would restrict such responsible money management abilities is troubling. 
It smacks of restraint of trade to think that a financial institution could restrict access to a customer 's money by disallowing a common instrument of commerce-A CHECK!