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

I was getting approved for an auto loan and then I got hit with a bunch of hard inquiries including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX on my equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my XXXX XXXX.
Product: Checking or savings account

There was a total of XXXX fraudulent checks used to withdraw money from my XXXX XXXX Checking Account, in addition to XXXX fraudulent debit. All of the checks/debits were in the amount of {$200.00} with the company name on the check being : XXXX XXXX XXXXXXXX and the signature not matching my signature. The total amount stolen from my account was {$1800.00}. The dates of the fraudulent activity were : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not notice this fraudulent activity on my account, because the amount per transaction was relatively low, I was not receiving paper statements in the mail, and I did not check my online account due to this being a side business of mine. When I noticed the fraudulent activity, I immediately notified Huntington, froze the account, and later closed the account. I went into my local branch in XXXX XXXX, Illinois and spoke with the branch manager. I filled out and signed an affidavit in XXXX of XXXX. I also filed a police report on XX/XX/XXXX at the XXXX Police Department. After filling out the affidavit at Huntington bank back in XX/XX/XXXX, I received an email on XX/XX/XXXX from XXXX XXXX ( XXXX XXXX XXXX ) stating : " Huntington has determined that we were not provided notice of unauthorized forged item ( XXXX ) within 30 days after your statement ( XXXX ) was made available to you as required by the Rules and Regulations that govern your accounts with us ; therefore, Huntington now considers this matter closed and any further dispute related to this transaction should be directed to the third party. '' My Huntington case number is : XXXX. I responded to the email from XXXX XXXX on XX/XX/XXXX asking to be reimbursed for the money fraudulently taken from my account and was contacted by XXXX XXXX XXXX ( XXXX XXXX XXXX ) via phone on XX/XX/XXXX saying Huntington stands by their decision and there is nothing more they can do to help me. Huntington and the other banking institution ( s ) who processed these fraudulent checks should have a ) noticed that the business name on the check was not the business name registered to my Business Checking Account at Huntington, b ) noticed the signature did not match my signature on file for my Business Checking Account at Huntington, and c ) noticed the check numbers skipped from the legitimate checks I was using for my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Will be uploading supporting documents from my bank XXXX XXXX XXXX XXXX that my credit card account is open not close or transfered.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal refused to give my money back b/c of the the fraud clearly gave them evidence of the fraud they said they couldn't help XXXX Unauthorized access XX/XX/2019 NA Closed View XXXX Unauthorized access XX/XX/2019 NA Closed View XXXX Unauthorized access XX/XX/2019 NA Closed View XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries were put on my credit report without my authorization and I want them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I disputed an account that was paid in full, I submitted evidence online that it was paid and on XX/XX/2019 they responded that the balance they are reporting is correct, how can this be correct when I paid it off and the 2 other major credit reporting agencies had updated their reports to show my balance was paid in full and closed. I have attached 2 snap shots of XXXX  and XXXX XXXX with those said accounts and the balance and when it was updated.
Product: Debt collection

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXubject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX and XXXX XXXX. I This item for XXXX XXXX XXXX account # XXXX is inaccurate because I have no knowledge of it. I am requesting that XXXX XXXX XXXX have the item removed or request another specific change to correct the information. 

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete or correct the disputed items as soon as possible. 

Sincerely, XXXX XXXX
Product: Mortgage

I have gone through the deed in lieu process fully with Seterus 3 times since XX/XX/XXXX. I have had a horrible experience working with Seterus throughout this process and each time the deed in lieu has been denied due to the bank 's lack of communication with me. XXXX XXXX was assigned to handle the deed in lieu of my property and rarely did she return my numerous calls. When I would call customer service, there was always some new document I needed to submit or some new reason as to why the deed in lieu was denied. I have done everything I was supposed to do on my end and submitted all of the necessary documents. Because communications to me from Seterus were minimal, documents for the deed in lieu constantly expired and I had to restart the process at least 3 times. At this point I am frustrated and believe that Seterus is being negligent. The customer service I have been receiving from Seterus has been subpar and my last call on XXXX XXXX, XXXX was completely unacceptable. I learned again that the documentation had expired when the deed in lieu should have gone to closing by this point. No one has been contacting me to keep me updated or to make requests for my assistance when other parties connected to the property were supposedly being unresponsive. Frustrated, I asked to speak with a manager, because at this point I want a solution. He told me I needed to resubmit documents that not one person had asked me to resubmit the entire year I had been working with Seterus. Once again, each time I call there is a new excuse. I requested that one person be able to handle my account, because it seems that there is no standard of communication, and that request was denied. The manager spent much of the call insulting me, telling me that I was " crying over spilled milk '' numerous times and lectured me on my " obligation '' to pay the loan. He was completely unconcerned about my situation and after his rudeness continued I ended the call.
Product: Credit reporting or other personal consumer reports

Equifax continues to falsely re-update disputed items without completing an investigation in the first place. Equifax must investigate and properly modify verified information or remove inaccurate and unverified information and provide dispute results in writing. On numerous occasions, Equifax has failed to do this. 

In several instances, Equifax has not only failed to investigate, but has falsely updated unverified information within days, sometime within hours of my valid disputes. Currently, Equifax continues to falsely update clearly incorrect information as described below : PERSONAL INFORMATION- ADDRESS Equifax continues to falsely report an address that doesn't even exist in a USPS or XXXX search. The address on my report is fictitious, and yet each time I dispute it, Equifax updates it as correct on my report. Had it conducted an investigation as required, the address would have been removed. 

PERSONAL STATEMENT Equifax listed a personal statement that I never uttered nor ever asked to be added to my credit report. I HAVE NEVER APPLIED FOR ANYTHING WITH xxx creditor. I have asked Equifax numerous times in writing and over the phone within the past two years to remove the false statement and Equifax still has not. Personal statements are optional, yet it repeatedly refuses my requests to remove a personal statement I never placed on the report to begin with. 

COLLECTIONS/OTHER ACCOUNTS Equifax continues to allegedly verify invalid accounts as valid in response to my disputes in one day and sometimes even less than one day after I filed valid disputed information. 

ACCOUNT HISTORY DATA POINTS Equifax refuses to correctly update account histories balances and credit limits on several accounts I have disputed. Where the creditor updated to XXXX and XXXX correctly, Equifax continues to claim its false " dispute results '' are accurate, maintaining incorrect credit data on several of my open accounts and not correcting any data points that are clearly incorrect. 

FAILURE TO NOTIFY OF DISPUTE RESULT On several occasions Equifax would allegedly " complete '' an online dispute in its website and not have any documentation of the results available either online or via mail. When I called and asked why, reps are advising to resubmit the dispute. Which is wrong and unethical as Equifax is legally obligated to provide dispute statuses in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid in full no late payments, negative remarks regarding repossesion are inaccurate. 

I recently received a copy of my consumer report and i noticed some late payments/reposession comments being posted on my consumer report. 

XXXX XXXX Your company is in CLEAR VIOLATION OF THE LAW! Under 15 U.S Code $ 1681b- Permissible purposes of consumer reports. The LAW CLEARLY STATES a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give any written instructions to furnish this account on my consumer report?!
Product: Bank account or service

I put {$7000.00} in an IRA CD at .5 % for 19 months. I never was told of any maintenance fee when iniating the CD. 9 months later ( XX/XX/XXXX ) I was sent a letter from US Bank wanting a yearly fee of {$30.00}. At most I will actually have the meager {$35.00} go for fee and federal taxes this year, and as I complete the remaining 7 months of the CD, wo n't make enough to pay fees and taxes. In addition, the letter said that if I do not mail in the yearly fee, US Bank will take it out of the CD. If I had been given this information on the cd document of the fee, there would have been no transaction. No other bank that has my IRS impose such a fee, especially in this concealed manner. I would be financially ahead by putting my {$7000.00} under my mattress! I complained to US Bank. They say that they will waive fee. I wait to see. However, how many retirees suffering from low interest rates are actually only paying back banks with maintenance fees that should have been meager interest in the retirees income? State the amount invested, percent interest, term, and disclose any maintenance fees on front of cd at minimum. This the first bank to do this in all my years of participating. 
been given information on the cd document of this fee, there would have been transaction.
Product: Checking or savings account

Hello Im XXXX XXXX I worked for XXXX  They were sued for not paying employees right I won my case They sent me a XXXX XXXX  check Then deposited in chase account They locked my account for about two weeks for what they told me is because they couldnt find the phone number matching the Llc of the company I waited for the days they told me and my account Then would be unlocked and funds and check available But after the days I waited the check was then XXXX from my account bring my account balance to XXXX and now I can not pay my bills or any or my accounts for daily needs. This is almost the XXXX time chase has done this to me at the wrong times in my life and makes me have to ask friends and family for money having me look really bad and pathetic almost feeling hopeless not being able to get to the funds I worked hard and made plans with. Please help me I am young XXXX male leaving in XXXX XXXX and I cant keep making it with chase holding all my funds I work my XXXX off for.
Product: Credit reporting, credit repair services, or other personal consumer reports

have noticed that AMEX have placed an inquiry on my XXXX  credit file dated XX/XX/2020. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both AMEX and XXXX   to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Product: Credit reporting, credit repair services, 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 u.s.c 1681 has violated. XXXX Acct # XXXX, # XXXX. XXXX XXXX XXXX ACCT # XXXX. XXXX ACCT # XXXX, XXXX. XXXX XXXX ACCT # XXXX. has violated my rights. 15 U.S.C 1681 section 602 A states I have right to privacy. 15 U.S.C 1681 section 604 A section it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681C section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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: Checking or savings account

To whom it may concern : I have had my bank account at capital one bank frozen since XX/XX/2021. There is no reason whatsoever that my account, and my funds ( over {$35000.00} ) have been frozen. The bank has refused to answer any questions from me. They have refused to close my account. And they have refused to give me my funds. This has been going on for over a year now. They are holding my money and refusing to give it back to me. This is completely unheard of. They are telling me that my account is being investigated. There is no reason for this. There is also no reason that any kind of investigation should take over 1 year in time. My money has been held this entire time and there is zero communication from the bank to me.
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 violate the consumer Financial protection act ( CFPA ). Specifically, Cash app failed to take timely and efficient measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Prepaid card

Hello my name is XXXX XXXX and I am contacting you because I stayed at the XXXX on XXXX XXXX and I use my cash app card to pay for my room which came out to {$400.00} with a return of XXXX when I checked out, So once I checked out I called XXXX today on XXXX XXXX to see had they took the hold off so i could get my security deposit back and they said yes they had released it on the XXXX of XX/XX/2024 and now it was up for cash app to put it back on my card, Which I contacted cash app at XXXX who I spoke to XXXX, XXXX before I ask to speak to a manager which after XXXX minutes a manager came on by the name of XXXX so after explaining the situation that XXXX and XXXX XXXX said XXXX released my money I would have to send my receipts or invoice from XXXX with the merchant name, contact number and it showing I didn't owe anything and the amount which I did so XXXX the manager proceeds to tell me yes usually we put the money back on once we receive the information we ask but it can take up to 30 days for us to released your money and if by then you still haven't received if call us back and will investigate and I'm not happy with that went through this with cash app last year and I thought by them they would gave their stuff together but apparently not.
Product: Mortgage

In XXXX of XXXX I obtained a HELOC from BECU. At that time I had bank accounts with BECU that drafted automatically payments for the HELOC. 

By XXXX of XXXX I was moving my day to day banking to XXXX XXXX XXXX. In XXXX of XXXX I submitted proper paperwork to BECU for ACH from my XXXX XXXX account and to convert the loan to an amortized fixed loan. I received email confirmation from BECU representative that they received the paperwork. 

Despite many efforts from XXXX to present, I've not been able to have them process my payments properly and it has created improper credit scoring. 

I filed a complaint on XX/XX/XXXX through Federal Reserve Consumer ( third party ) which forwarded the complaint to CFPB. 

In XXXX of XXXX I was contacted by XXXX XXXX from BECU. I supplied him with written information related to the matter and he acknowledged that there was an issue. However, over the following three months there was poor to non-existent communication to achieve resolution. 

Finally, despite three emails and one written letter, I have had no response from Mr. XXXX since XX/XX/XXXX. 

At his request, I resubmitted the same paperwork for processing ACH payments ; yet have not received a confirmation of processing. Furthermore, BECU continues to report late pays on my credit file despite the payments being late due to their non-processing of proper paperwork.
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my family and I Please remove unauthorized inquiries and ACCOUNTS from my credit report As soon as possible, see attached.
Product: Money transfer, virtual currency, or money service

Ive been this bank for about 1 year and have never had an issue transferring money from my Dave ( XXXX & XXXX Account ) to XXXX XXXX. On XXXX at approximately XXXX I got payed from my source of employment and I attempted to make a transfer of {$1000.00} virtually from my Dave Account to my XXXX XXXX, when all of sudden I receive a message that the transfer failed. Instead of sending the funds back to my checking account, the Dave account held onto my funds and have not return them claiming it would take 7 days to return. This has never happened before and I have bills to pay and the Dave Representatives would not give me a valid reason as to why they are holding my funds. I still have not received my funds and I dont know why, I need something to be done.
Product: Student loan

FEDERAL LOAN SERVICING ( Account # XXXX ) This account is currently reporting XXXX delinquencies on my consumer report. FEDERAL LOAN SERVICING reported that this account was 60 days past due in XXXX 2014 and 90 days past due in XXXX 2014. This is a total of XXXX delinquencies reported in Loan # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
This account has received on time monthly payments and timely forbearance request. This account should not reflect delinquencies and should be updated to reflect never late. Also, during XXXX XXXX 2014 through XXXX XXXX 2014 this account was in an approved temporary hardship status which there were not any payments due on this account during those time frames referenced.
Product: Credit card or prepaid card

I applied for a CC with XXXX membership services. I was denied a card due to a bankruptcy from over 27 years ago. I have very good credit yet Citi had a card in that BK and they are still using it to deny me from getting that card. They stated the information came from XXXX, yet when I ran my report there was no incorrect information ( Good job XXXX ) No Bankruptcy on that record. When I contacted customer service at Citi I spoke to two people both only using first names. To get to a specialists in this area of issue. Quite candidly XXXX told me that due to the BK in XX/XX/1990 That my application was declined. I was told that if my FICO level was spectacular or just higher ( That magic number that is elusive to all ) I could have been accepted. The question begs to answer ... how long can a credit card company hold a BK against you? I was XXXX then. Thanks to that BK I changed my life and was a better person with things financially. Now I am XXXX. Ya think there is anything wrong with that picture? XXXX was painted as the company I can dispute the false reporting of my BK. Yet the facts here are written in stone and the past is never forgotten on Citi 's ledger.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of accounts on my credit report. This is a clear error and needs to be promptly rectified. In compliance with the law governing accurate credit reporting, it is imperative that these inaccuracies are addressed immediately. Reporting accounts with incorrect balances not only violates legal standards but also harm the integrity of my credit history. 

Specifically, the following accounts are affected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I request that you conduct a thorough investigation into these discrepancies and take the necessary steps to remove the accounts from my credit report.