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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " 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. '' XXXX, Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is NOT shared which is backed by 15 USC 6801 which states " 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. '' XXXX XXXX is a financial institution by definition under that title. 
15 USC 1681 section 604 a section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX is the financial institution and the consumer reporting agencies of XXXX, Experian and XXXX do not have my consent to furnish this information written nor unwritten. 
Any and all consent to XXXX, Experian, XXXX and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ". XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
XXXX, Experian and XXXX are not maintaining reasonable procedures. Also, please note that 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ". I am opting out of your reporting services immediately and indefinitely.
Product: Checking or savings account

I always try to shop and sell online using Paypal. I found it to be most secure. I sold a product, the person received the product, and sent me a payment for it. Paypal decided to " hold the funds '' this has been going on for 3 days. I have contacted the recipient, and was told that they don't even have the option to click the " verify transaction '' button so that my funds can be released. Paypal charges fees for all transactions not sent to family and friends. They took their fee out, but I still have no access to my funds. If the money is " on hold '' why would they get paid for the service and I don't. The recipient has the product, Paypal has their payment, but I don't have my funds. I have tried to call Paypal for 2 days and the line hangs up after telling me they can't take my call. So what am I supposed to do when my bills are due and this billion dollar corporation is holding my funds, but won't answer my calls?
Product: Credit card or prepaid card

I received my XXXX XXXX credit card : XXXX, when I called to activate the card, I was informed by a Continental Finance Represenative that she couldnt activate my card because my new phone number wasnt listed on the account, and it was their policy if your old phone number changed and you didnt have your new phone number on the account when you first applied for the credit card, then you have to apply for the credit card again. Thats illegal. They also charged me finance fees for a credit card they wont activate and I cant use. Thats also unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX 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, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( 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 Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX XXXX date XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and found a account I have no know of XXXX XXXX XXXX XXXX XXXXXXXX Amount {$2300.00} This account is located on my credit report attached to a name that is not mine This is a fraudulent account please delete this account immediately
Product: Credit reporting or other personal consumer reports

I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply appreciated.
Product: Checking or savings account

In XX/XX/2021, more than 5 claim reversals were filed against my knowledge and authority in my Chase checking account. This led to inaccurate balance. A month later, Chase started deducting automatically from my monthly direct deposits to reverse the unauthorized claims made worth $ XXXX which leads me solely responsible with the fraud and short on my rent housing money. XXXX at the local branch in XXXX XXXX XXXX way shopping mall insists on closing my account against me permission which would lead to limited use of my money and hindering my withdrawals of my monthly direct deposits. XXXX says and reassures me on the phone they will no longer tamper and touch my direct deposits. But I just checked my account and its negative balance is continuing to rise in amount due to the claim reversal fraud activity. I'm very angry at the inside fraud and incompetencies of the JP MORGAN CHASE BANKERS and their inability to bottom line resolve the problem in a timely manner. Please assist the community like myself in this big money laundering problem!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SC XXXX Subject : Request for Debt Validation Dear Sir/Madam, I am writing to formally request validation of the debt referenced in your communication dated XX/XX/year> regarding an alleged debt under the account number XXXXUnder the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt. Please provide me with the following information : 1. The full name and address of the original creditor. 
2. The amount of the alleged debt, including any interest, fees, or other charges. 
3. A copy of the original signed contract or agreement showing my responsibility for this debt. 
4. A statement showing a detailed history of how the balance was calculated, including any payments or adjustments made. 
5. Proof of your authorization to collect on this debt. 

Please understand that, under the FDCPA, you must cease collection efforts until you have provided the requested validation. If you fail to provide this information within 30 days, you are required to cease collection activities and correct any inaccurate information reported to the credit bureaus regarding this debt.Thank you for your prompt attention to this matter. I look forward to your timely response.Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

IVE ATTACHED THE INVESTIGATION PROVIDED FROM XXXX OF THE SAME DISPUTE PROVIDED TO EQUIFAX, TRANSUNION, AND EXPERIAN ALL FRAUDULENT ACCOUNTS ARE REMOVED UNDER SECTION 605B FCRA. ALL CREDIT BUREAUS MUST FOLLOW THE SAME LAWS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credco Please see attached letter in response to your letter dated XX/XX/2021.
Product: Mortgage

I had a mortgage through Wells Fargo for 3 years. during year two, I lost my job, due to a XXXX, and I was unable to find suitable employment that was able to pay my bills. I attempted to get a forbearance on the loan. They kept requesting documents and losing them. I demanded a different agent since the one I was talking with would n't return phone calls and repeatedly lost documents. They refused to do such, and after a year of dealing with this and other issues, they repossessed my home. At the time the county appraised my home at a taxable {$160000.00}. This played a part in a years worth of trying to recover, crawl out of homelessness, and completely devastated my credit. Wells Fargo did everything in their power to ensure that I had no ability to actually save my house, and refused to discuss options with me.
Product: Bank account or service

Regions Bank has taken XXXX out of my account because of overdrafts. I know this is my fault, but why do they keep putting thru checks that can not clear more than once? Im XXXX and they have no mercy on me. Why are these charges so expensive? Cant they be XXXX dollars? My son is going to help me, but this is a disgrace for a bank to be this greedy!
Product: Credit card

I an enrolled in paperless billing for my Citibank XXXX XXXX credit card. For over one month, I am unable to view previous statements while in my online account. After a very long discussion with a supervisor in XXXX, I thought this issue would be resolved, but it has not. This appears to be a technical issue with the website, but as a customer, I need access to my online statements.
Product: Credit reporting or other personal consumer reports

I checked my credit because I recently started paying on my student loans then I noticed and unknown address and multiple hard inquiries on my account that are fraud and are not me. The inquiries are : XXXX JPMCB Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB Card 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 JPMCB Auto 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 There are multiple soft inquiries and a few unknown addresses Ive never been associated with.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF DEFAULT OPPORTUNITY TO CURE Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Equifax for their violation of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). Equifax has failed to comply with my request for information about my credit report and has stalled the investigation for over 30 days, which is a violation of the FCRA.

Furthermore, Equifax has not provided me with the proper forms pertaining to GLBA, nor given me the option to opt-in or out, violating my right to privacy. Their noncompliance has caused me immense mental and emotional stress and has injured my credit worthiness. Equifax has furnished inaccurate information on my consumer report and destroyed it, making it impossible for me to obtain loans. 
I strongly believe that I should be compensated for all the harm I have suffered due to Equifax 's noncompliance and willful neglect. I urge the CFPB to take immediate action against Equifax to ensure that they comply with all laws and regulations related to consumer credit reporting. 
Thank you for your attention to this matter. 

Sincerely,,
Product: Money transfer, virtual currency, or money service

I use XXXX  and it seems like there's was way to reverse the payments. There's no warning similar to XXXX  and other transferring apps. Not sure if this is legal but before they updated their app this year, the prior years were kind of horrendous
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a background check completed ; however, upon reviewing the documentation, I found another name listed alongside mine. The name belongs to a " XXXX XXXX '' ( the Spelling may be off ). However, I have never claimed the name ; I don't know anyone with the name and would like said name removed if possible.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

Volkswagen Credit violated my federal protected rights twice under UCC Article 9 through noncompliance : First, Pursuant to UCC 9-611 section ( b ) Except as otherwise provided in subsection ( d ), a secured party that disposes of collateral under Section 9-610 SHALL send to the persons specified in subsection ( c ) a REASONABLE authenticated notification of disposition. '' VW Credit DID NOT send me, the debtor, REASONABLE authenticated notification prior to the repossession of my XXXX  XXXX XXXX from my residential address in the state oXXXX XXXX 

Secondly, Pursuant to UCC 9-616 section ( b ) " In a consumer-goods transaction in which the debtor is entitled to a surplus or a consumer obligor is liable for a deficiency under Section 9-615, the secured party shall : ( 1 ) send an explanation to the debtor or consumer obligor, as applicable, after the disposition ... '' VW Credit also DID NOT REASONABLY send the explanation to me, at any time between XXXX. I, the debtor, did not receive an authenticated notice. Proof of that is evident through VW Credits admission/response to my prior CFPB complaint ( Please see attachment ). The dated explanation/post-sale letter that VW Credit responded with included my name and a XXXX XXXX address . I have not resided at that SC address in more than four years. Despite that fact, VW Credit still proceeded with hiring a third-party to repossess the XXXX XXXX XXXX at my actual residence in XXXX, XXXX  That was not reasonable and a clear violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to CORRECT a portion of the data in my credit file, yet I have an items passed on that should be investigated. Per FCRA you are expected to update these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

This was resolved incorrectly on CFPB complaint # XXXX. They determined that my direct deposits came from another financial institution but this is a lie, my direct deposit posted on XX/XX/XXXX, {$1400.00} from my employer, not another institution, well within the 60 days as laid out in the terms. I am owed my {$200.00} sign up bonus. I will also be filing this new complaint with the Massachusetts Attorney General. 

To reiterate here is the original issue : I applied for a new checking account with Keybank on XX/XX/XXXX to pursue their {$200.00} new account sign up bonus. I used the promo code XXXX which was the offer at the time. I called the branch in XXXX CT the following day XX/XX/XXXX at XXXX and the man I spoke to confirmed that the offer was attached to my account and that I was eligible. I then proceeded to fulfill the bonus requirements. I had more than {$500.00} in direct deposit post to the account within 60 days. I completed this on XX/XX/XXXX ( 45 days ) had well over {$500.00} in direct deposit. I called XXXX on XX/XX/XXXX to ask about the bonus not posting and they claimed that there was no promo attached to my account and that the code I used was never a real code. This is untrue I got it from their website and it was in the fine print and everything. It has now been more than the 60 days from meeting the requirements when I was supposed to get the bonus and I have gotten nothing and been told I am out of luck. I was told I was eligible and enrolled in the promo when I opened the account but was lied to. The following was the URL I used to signup : https : XXXX? XXXX & XXXX I attached a screenshot of the signup details as I saw on the website.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Chapter XXXX XXXX Account XXXX : XXXX
Product: Debt collection

I checked my credit report and noticed that XXXX XXXX reported an unpaid debt that was not owed by me. XXXX XXXX reported an unpaid debt that was not made by me. I sent a letter out to the collection agency that is holding the unpaid debt ( XXXX XXXX ) on XX/X/2017 asking them to verify and validate all info stating that the debt was mine within 30 days. I never recieved a response.