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

I have opened a XXXX account with over {$10000.00} as dictated per offer in the XXXX, IL branch. The requirements listed in the opening brochure to receive a {$100.00} bonus was to keep the above mentioned balance for at least 90 days. Since I have a specific tax situation I have requested the bank to post the opening account bonus in XXXX instead of XXXX since I found that that the bank will be reporting it on 1099 INT form instead of 1099 MISC ( the account bonus reporting is specifically vague listing the reporting category as 1099 only, please see attached ). As result the bank took a very aggressive stand on the issue with the market manager XXXX XXXX stating that " he 's surprised I have nothing better to do with my life than demand bank to delay the bonus payment. '' When I looked at the wording of the offer and floated a possibility of delaying the account qualification so it comes to qualifying the bonus for XXXX by withdrawing the account below {$10000.00} ramping it up again in XXXX ( the account requires 90 day maintenance of the balance however it does n't require it to be held consecutively for 90 days in the 12 months period ) he objected stating that the account will be denied bonus if I do so.

When I escalated the matter the bank offered me the only alternative : to receive a bonus or not. Subsequently the bank awarded the bonus contrary to its own T & C ( before the completion of the 90 day period as in spite ).

Issues : 1 ) Why the bank does n't follow the wording of its legal disclosure closely when it comes not only of the XXXX XXXX XXXX but also its own reporting requirements? 
2 ) Why the culture at the bank is such as it creates a needlessly adversarial environment as if the bank representatives know my tax situation better than myself?

3 ) What the bank does n't offer a solution to issue ( however unique ) instead of treating the matter as some type of frivolous request?
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to get a car loan and there was a lot of hard inquiries.I filed with identity theft.gov. 

FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX Middle Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX USA Phone : XXXX Email : XXXX Personal Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accounts Affected by the Crime Other Identity Theft Company or Organization : Date fraud began : Date that I discovered it : Total fraudulent amount : {$0.00} Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XX/XX/2022 Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I opened a HYSA through Marcus by Goldman Sachs. I linked my XXXX XXXX checking account during the opening process and transferred {$200.00} to Marcus. A week later I attempted to transfer my {$8000.00} savings balance from my XXXX account after also linking that bank account to Marcus. My account was then locked and I called into Marcus customer service where I was told my account was being force closed and investigated for fraudulent activity. They will not provide any information about their investigation nor have they sent out any correspondence. I did NOT commit fraud. I completed all verification questions asked by Marcus as well.
Product: Checking or savings account

Wells Fargo Bank at the corner of XXXX XXXX XXXX and city wide in XXXX XXXX Texas outsources their ATM Services to a third party vendor. These machines are constantly broken down at least once a month. These ATM machines often do not function at all and when they do they function poorly. 

On XX/XX/2024 I deposited {$700.00}. I counted the cash before deposit and verified that the amount was {$700.00}. I did so because about three weeks prior a Wells Fargo Bank location in XXXX XXXX XXXX had shorted me {$100.00} and I was able to obtain a credit for that amount. I followed the recommended procedures and called the XXXX number on my deposit slip to file for an investigation from the ATM Claims Department . On XX/XX/2024 a letter was sent out from the ATM Claims Department that the amount I deposited the was {$600.00} not {$700.00}. I spoke to XXXX and his supervisor and informed them that I had in fact deposited {$700.00} that day not {$600.00}. They failed to honor my claim to my money.

Wells Fargo steals money from its customers through ATM machines that do not function to serve customers needs but rather steals money from unsuspecting customers who use their ATM 's. A review of their bank records will confirm that their ATM break down monthly and I am probably on of many in a class of consumers that are being defrauded by Wells Fargo bank.
Product: Credit card or prepaid card

On XX/XX/21 I made an online purchase for a air mattress with Mattress Firm. I immediately ask for a cancellation through chat ( which I wasnt aware that you can not speak to anyone by phone ). I sent a request to ask for a refund. On XX/XX/21 a representative name XXXX XXXX contact me by email saying it will take 2-3 business days for a refund. Well on XX/XX/21 I emailed XXXX XXXX asking for status on my refund. Per XXXX XXXX Please allow 2-3 business days. I emailed again on XX/XX/21 asking for status of my refund. Per XXXX XXXX She apologize for the delay and that my card will not be charged since the item wasnt shipped. I checked my account on Synchrony.com website ( which is the credit card company for Mattress Firm ) and my account was charged. I sent another email to customer service representative XXXX XXXX On XX/XX/21 asking for status of my refund and also ask for a phone number to speak to a Supervisor but no response back from XXXX XXXX I also contact Synchrony customer service Department at ph # XXXX spoke to Supervisor XXXX, per her shes unable to credit back until Mattress Firm show proof of cancellation but I can fax proof of the request to their fax # or upload it to my account with synchrony. I uploaded the emails online to synchrony account but no one has responded and no one has credited my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/28 I transferred XXXX from my Discover Bank account to a newly opened XXXX XXXX account, unbeknownst to me XXXX XXXX closed the account because I use my XXXX store as a mail address. On XXXX Discover transferred the money on line. XXXX XXXX says that the money was rejected and Discover says they do not have the money. Neither Says they know where the funds are.
Product: Checking or savings account

I noticed a big problem with the information USAA provides to me to manage my checking account. USAA provides an available balance for the account holder to know what the amount of money remaining in their account. If the scheduled transactions ( another field on USAA portal ) are subtracted from the available balance I should know what funds I have remaining in my checking account that can be used to pay bills. Unfortunately, that is not the case on USAA portal. If the XXXX XXXX  is used to pay bills online, and a bill is not paid electronically ( i.e. by check ), even though XXXX shows the bill as a COMPLETED transaction, the amount of the payment does no show up either in SCHECULED TRANACTIONS or in AVAILABLE BALANCE unless the receiving vendor has deposited the check and it has cleared the bank. So the word COMPLETED does not actually mean in the common usage of the word COMPLETED. 

I recently made a large withdrawal from my USAA checking account. I was flexible on The amount of the withdrawal and based it on my AVAILABLE BALANCE less my SCHEDULED TRANACTIONS. I could have made my large withdrawal for less money had I known that a {$7000.00} check to the IRS issued a month earlier was unaccounted for, even though this transaction showed a STATUS of COMPLETED. As such USAA returned the check NFS, because my account balance was insufficient. This problem would never have occurred if the information on USAAs portal was complete and reliable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX ACCT NO XXXX IS BEING WRONGFULLY AND INACCURATELY REPORTED WITH DAMAGE ON MY XXXX AND EQUIFAX CREDIT FILES.I WOULD LIKE THE ENTIRE ACCOUNT REMOVED DUE TO THE NUMEROUS ERRONEOUS LATE PAYMENTS. 
" XXXX '' ... ... ... ... .... 
OF XXXX XXXX ( AQUIRED BY XXXX XXXX ) HELPED TO DEFRAUD ME WITH ILLEGALLY INACCURATE INFORMATION WHILE ATTEMPTING TO OBTAIN A NEW REFINANCED OR RECAST LOAN FROM XXXX/XXXX. 
XXXX ... ../SPOC AT XXXX XXXX  ,XXXX XXXX XXXX, XXXX, NB XXXX ,XXXX, FAX XXXX, PERSONAL PHONE XXXX WAS MY REP AT XXXX.XXXX TOLD ME THAT IN ORDER TO QUALIFY FOR A LOWER RATE OR LOWER PRINCIPAL THAT I WOULD HAVE TO DEFAULT AS PART OF THE PROCESS. 
I DID AS XXXX INSTRUCTED AND WAS THEN TURNED DOWN TWO TIMES FOR THE LOAN XXXX TOLD ME ABOUT.THIS CAUSED ME TO HAVE TO PAY {$160000.00} TO BRING THE LOAN CURRENT, WHICH I DID FOLLOWING THE SECOND DECLINE.I DIDN'T REALIZE WHAT XXXX WAS INSTRUCTING ME WAS ILLEGAL AND I BELIEVED XXXX AND HIS COMPANY WERE ABOVE BOARD WHICH THEY HAVE PROVED NOT TO BE.
Product: Credit reporting or other personal consumer reports

I am filing a compliant against Equifax failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

XXXX XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding my XXXX XXXX  account with XXXXXXXX XXXX XXXXXXXX due to ongoing issues with inaccurate reporting and account tampering. Despite my efforts to resolve the matter, the following issues remain : Inaccurate Credit Reporting : On XX/XX/year>, my XXXX XXXX account was reported with two late payments for XXXX and XX/XX/year>, despite the account being settled and showing a balance of {$0.00} as of XX/XX/year>. This inaccurate reporting continues to negatively impact my credit score. The Fair Credit Reporting Act ( FCRA ) requires creditors to report accurate information, but XXXXXXXX XXXX XXXX has failed to comply with this by re-reporting the same late payments that were previously resolved. 

Unauthorized Tampering with My Credit Report : XXXXXXXX XXXX XXXXXXXX has repeatedly tampered with my credit report by re-inserting previously disputed late payments, violating the FCRAs reinsertion rules. This has occurred without proper verification or notice to me, which is against the law. Furthermore, I was not informed or consulted during their investigations of fraudulent activity on my account. 

Failure to Address Fraud Concerns : I reported fraudulent transactions and tampering with my account, but the banks investigation did not involve me, and I was not provided with a resolution that addressed the tampering. Under the Electronic Fund Transfer Act ( EFTA ), I have the right to be informed during such investigations, but XXXXXXXX XXXX XXXXXXXX failed to notify me. 

I am seeking CFPB 's help to have these inaccuracies removed entirely from my credit report, as this issue has persisted despite my previous attempts to resolve it directly with XXXXXXXX XXXX XXXX. The re-reporting of false information has severely damaged my credit standing.
Product: Student loan

On 4XX/XX/XXXX My paycheck was garnished for student loan defaults. When I called the government agency involved I was told that my debt had been passed off to a debt collection agency and that the situation was completely out of their hands. I then reached out to the company to figure out what was going on. I asked them why I had not received any notifications about what had happened and that is where it turned bad. They said that they had been attempting to contact me at an address that I had never heard of and that they refused to do anything other than continue to garnished my wages. I told them I would like to set up a repayment plan and they refused.I need help
Product: Credit reporting or other personal consumer reports

I sent a Debt Validation letter on XX/XX/2024. They received the letter XX/XX/2024. They have not responded to the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681.And they have violated my rights numerous of times. 
I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX/ XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit card or prepaid card

Company closed Sunoco credit card account that I had since 1992, almost 30 years. 

Never received a notice that it was being closed. 

This affects credit scores and history. 

Their response open a " new '' account with the associated credit hit for a new inquiry.
Product: Credit card

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & I'm writing this complaint because I feel as if my last complaint was not resolved & brushed off because it was " worked on before ''. I frequently have to write reports to CFPB regarding Wells Fargo. I have a late payment on my credit report from XX/XX/XXXX. & now Im being told i was late in XXXX? I have proof that there was no late payment & representatives i have spoken to that advised me i was not late on payments. I already wrote in a complaint about this specific topic & I am asking if it can be removed from my credit report. I have been told its not possible but it was done once before a few months ago which i also have proof of even tho Wells Fargo is saying other wise. During the time of XXXX, I was going through a long & exhausting process with Wells Fargo regarding unauthorized charges. As the unauthorized charges seemed to be resolved I believe that there may have been a mix up in my legitimate payment being marked as late. I have always been on time with payments & I seem to have a problem with Wells Fargo frequently for the past year now. I've been a very loyal customer for almost 4 years & despite all the troubles I have had with Wells Fargo I still stayed a loyal customer. Last case I wrote, I was told Wells Fargo can not delete something off a credit report but when this happened once before due to a mistake, they took it off no problem but then added it back a month later. Again, I am always on time with payment. I don't believe I ever had to write in this many complaints about & to one specific company. I am asking for a payment forgiveness for the apparent late payment & have it taken off my credit report. I truly appreciate it & am open to answering any questions. Again, I am simply asking for the late payment to please be removed from my credit report as I the customer don't believe I am at fault. If i dont get correct answers & not told it wont be worked on, i will take this higher then just a complaint. XXXX has not helped & i dont believe she should be assigned this case as she brushes off what i say. Thank you.
Product: Debt collection

Sears citi bank card I have been trying sometime know to have the Sears citi bank card and  XXXX  to  send me something with my signature on it that validates that I am the correct person on the account or that I authorized any of the payment and I have sent certifeyed letters to both company to send me some type of verification and I recieved my credit report comments fcba dispute resolved- consumer disagrees and of course I disagree. So because I can not get the credit card company or the sear citi bank credit card company to send me anything I am asking the fcba to hgive me the names and addrress of the people the spoke with that can verify that that is my account and to send me some information and proof of my signature. You would think that after certify letter requesting this information  2 ti me from each company this matter would be resolve and deleted from the credit companys I can not get any credit anywhere because of this inaccuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2022 the utility company XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX send me to collection for a bill of {$970.00} from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX that was not paid. I never lived the address where this account was opened and I never open this account. I contacted them about this charge and they acknowledge that was not mine. I disputed this with all 3 Credit Companies all of them removed this from my credit file. But this late payment keep showing up on my Experian Credit report. This been happening for the pass couple months and I'm getting tired about this charge. I will appreciate that Experian remove this from my credit file.
Product: Debt collection

In early XXXX late XX/XX/2019 I had closed my secured credit account with the help of an USAA teammember. This was during the California fires and the secured card which was connected to a CD that was already done. She said lets close this and see if you have any refund that can help you get your funds back from your deposits. She said that it was nothing extra so she just closed the account and offered other services. I didnt owe them anything because it was always based on my deposit amount.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because TransUnion failed to properly investigate the disputed items I submitted, as required under the Fair Credit Reporting Act ( FCRA ). Despite providing sufficient details and documentation in my dispute ( CFPB Complaint # XXXX ), I received a stall letter indicating the investigation was not properly conducted. This response demonstrates noncompliance with FCRA standards. 

Violations : FCRA Section 611 ( 15 U.S.C. 1681i ) : Requires a credit reporting agency ( CRA ) to conduct a reasonable investigation of disputed information within 30 days. A stall letter without substantive action violates this requirement.

FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Mandates the CRA to promptly reinvestigate any item in the consumers file if disputed and provide a thorough review of its accuracy. TransUnion failed to adhere to this by not adequately addressing the errors.

FCRA 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 7 ) : States that the CRA must provide all relevant documentation and evidence supporting their verification of the disputed items within 15 days of a consumer 's request. TransUnion has not complied with this law, leaving me unable to verify the validity of their findings. 

Disputed Items : XXXX XXXX XXXX XXXXXXXX : Account opened in XX/XX/XXXX under Account # XXXX. 
XXXX XXXX XXXXXXXX : Account opened in XX/XX/XXXX under Account # XXXX. 
XXXX : Account opened in XX/XX/XXXX under Account # XXXX. 

These items are fraudulent, unverifiable, and inaccurate. My initial disputes included a request for the original purchase agreement for these debts and any documentation showing I am the legal owner of these debts. TransUnion failed to provide this information or substantiate their verification of the disputed items.
Product: Debt collection

Orions Management Group LLC sent me a collection letter on XX/XX/XXXX stating I owe a debt. I send a certified verification letter ( see attached ) on XX/XX/XXXX. They received my request on XX/XX/XXXX as it was signed for. I allowed 30 days for a reply. With no reply I sent another certified letter on XX/XX/XXXX stating per the FCRA gives companies 30 days to respond and as of that day I have not received anything so they needed to cease with collectors actions. They did not follow FCRA rules to verify my account. On XX/XX/XXXX they sent me a letter with a statement. This did not verify that the account was mine. I wrote to them asking for detail proof and a contact with my signature. This was not provided. XXXX. stated this account was charged off back in XXXX. South Carolina has a 3 year statute of limitations. its actually illegal for a debt collector to attempt to collect on time-barred debt. Unless XXXX  can prove a copy of the original agreement with my signature, please cease and desist with collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

-15 U.S. Code 1681 section 602 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

-15 U.S. Code 1681 section 602 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

-15 U.S. Code 1681 section 604 ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

-15 U.S. Code 1681 section 611 ( a ) ( 1 ) Reinvestigation Required -15 U.S. Code 1681 section 616. Civil liability for willful noncompliance -15 U.S. Code 1681 section 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information