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

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 
Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had citi credit cards means citi bank, it was belong to my ex wife, who was grantor and account has been closed but citi bank kept information on my name. Even they are showing account has been closed by grantor and why they are using my name on the citi bank statement. XXXX XXXX was grantor, and she has closed the credit card. I want credit card companies and citi bank credit cards to remove my name from credit.
Product: Payday loan, title loan, or personal loan

I emailed the company to Let them know my pay days have changed and it would be the opposite Fridays. Their response clearly lead me to believe they didnt read my email. 
I sent them paystubs as proof and I got no response from them. No communication what so ever. They just took money from my account on a Thursday morning. Which is not what is agreed upon in our contract. This cause me to become overdrawn. 
I reached dour to them again and have received no response yet again.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account numbers ending : XXXX and XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX account number ending : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I was deeply frustrated and stressed to find several inquiries from your company that I never authorized.
Product: Student loan

I am currently enrolled in a XXXX XXXX and my student loans are not due for payment yet but I wanted to start making some payments toward them. On XX/XX/year> I signed up to put a payment through for XX/XX/XXXX for {$300.00} toward one of my loans. The amount was taken out of bank account as completed on XX/XX/year>. I went to log into my Aidvantage account today to check and see if I could make another payment and the payment that I made in XXXX was not allocated to my loan. This took me by surprise as my bank account was charged and the payment was completed. I am not happy with this as I feel like my money was taken from me. I am struggling financially and a student trying to put money toward my immense amount of student loans whenever I can. This has now deterred me from making another payment toward the loan as I feel like the money will go no where once again. I found it never allocated once I checked my prior payments and once I called, It was an automated message and they said " You have no payments on your account ''. I would like to get to the bottom of this as I know I am not the first individual to experience this from a loan servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the XXXX whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete XXXX. How in the world did they verify these claims? XXXX of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX XXXX XXXX XXXX XXXX for not more than XXXX XXXX, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( XXXX ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX XXXX XXXX after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA XXXX Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Opened XX/XX/2008 Balance {$250.00}.
Product: Debt collection

I looked at my credit report and discovered this account. I have no knowledge of this account. Please remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

Accounts to be Blocked and Deleted : 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  Inquiries to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX an alleged Attorney Firm, but debt collector defined in the FDCPA along with XXXX XXXX, XXXX XXXX and Nationstar Mortgage has criminally engaged in XXXX, abuse and harassment XXXX against the named consumer and her family, household.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attempting to review and dispute information on my Experian credit report which I am unable to do because their website is not working and has not been working for several weeks.I have experienced assault and damage to my credit report as a result of attending an XXXX XXXX XXXX XXXX XXXX   where I obtained a XXXX  GPA in the last semester I attended.One of the harassing messages I received online was a question asking me if I wanted to play XXXX XXXX. I also was told in XXXX  that they have Experian there too just like the USA while exploring possibly moving there while on vacation.The Experian representative told me that they can not give me access to my online account for a dispute even though their website does give an option to downgrade the account. The representative said I would have to provide a credit card that he worked in the membership department and that Experian does not have a technical support department to address issues with the online account.This is possibly preventing me from obtaining the best financial products I am eligible for as my reports on XXXX and XXXX  where inaccurate upon review within the past few weeks.
Product: Credit card

Before I left out of the country for an extended amount of time I went down to Wells Fargo branch office to discuss my credit card payment while I was gone. I talked to a clerk and explained that I would be out of the country for well over a month. I paid a double payment to insure I would not miss any payments while I was out of the country. The clerk also informed me to download the Wells Fargo online banking app to help keep track of my account. I downloaded the app checked the day before I left and according to Wells Fargo there was " no payment scheduled ''. Upon returning home I had a letter in the mail waiting on me from Wells Fargo entailing how I have missed a payment on my credit card and it was reported on my credit score. I immediately called Wells Fargo to discuss the issue. I was told that a payment was scheduled while I was away and the failure to pay was my fault. I asked why my double payment was n't handled like I was told it should have been. Wells Fargo proceeded to tell me that 's not their policy and they did nothing wrong. After two weeks on several phone calls with numerous supervisors I have been told yes Wells Fargo made an error by the clerk telling me payment was n't due until after my return date. They also informed me that they are not willing to help correct their mistake. I went to the bank informed them of my situation before it was an issue, I also made extra payments trying to prevent this situation. I have been treated no better than a criminal by Wells Fargo and am just looking for a meeting half way. I have paid all late fees and talked to every department trying to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with BRCLYSBANKDE. The current status should not be showing late because I paid it on time. XXXX and XXXX Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 update the item from my 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 creditor.. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise udate this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
BRCLYSBANKDE XXXX Date Opened : XX/XX/2019 Balance : {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XXXX XXXX XXXX  incorrectly coded my credit card account as being included in a Chapter XXXX Bankruptcy when it was not. In XX/XX/XXXX after filing a complaint with the CFPB the account was fixed per XXXX XXXX XXXX ( see letter attached ) and my account was made current, open, available for use. Even though XXXX XXXX XXXX corrected the coding on my account they failed to correct my account to the 3 Credit Reporting Bureaus, and the account is still showing on my credit report as being included in a Chapter XXXX Bankruptcy and under a payment plan. This account was never included in a Chapter XXXX Bankruptcy, nor has it ever been under a payment plan. At least the minimum payment was always made on time in full since this account was opened. I have submitted numerous disputes with the 3 Credit Reporting Bureaus, and still this remains on my credit report as being included in a Chapter XXXX Bankruptcy. That information is completely FALSE. I just filed a dispute with TransUnion who investigated ( investigation result attached from XX/XX/XXXX ), and still this account remains as being included in a Chapter XXXX Bankruptcy under a payment plan. This has been reported falsely as being an adverse account going on 4 years now. It has negatively effected my credit report and score. This account is open, current, and available for use ( see attached statement of account XX/XX/XXXX ) How can XXXX XXXX continually report false information on my credit report for almost 4 years and not correct the mistake? As a result, I'm the one who is being penalized financially resulting in a lower credit score and higher interest rates, because of their mistake, reporting this account as adverse and included in a bankruptcy.
Product: Bank account or service

i close my account XX/XX/2017 and still active i pay remaning balance and account still active promise account close after pay and reverase my overdraft and account not close still active XXXX bank not close and nowaprt huntington bank still active my account
Product: Checking or savings account

CD Information : BMO Bank XXXX CD ( expired on XX/XX/XXXX ) Amount : about {$38000.00} Previous CFPB case # : XXXX I have hard time getting my CD check after expiration and closing as of early XX/XX/XXXX. 

I noticed I have not received the check from bank in the end of XX/XX/XXXX so I talked to the BMO bank to re-issue my check since it seems lost during transit. 

In the end of XX/XX/XXXX, I requested the bank to wire my money back but the banker ( XXXX ) told me on the phone they don't have option to wire my money back but re-issue the physical check and send it again to me after 90-day period. 

She told me BMO will waive the 90-day waiting period for check re-issuance as long as I sign on the indemnity form. So I signed on it and sent the form to the bank accounting department for check re-issuance on XX/XX/XXXX ( Tues ). 

I kept asking the bank to update me on the issue but the bank keeps forwarding my case to other representatives. I have not got my money back for almost 3 months. 

I want the bank to correct their lazy response and to reimburse me for the 3-month equivalent compensation for holding up my money,
Product: Student loan

Company Direct Account Management claimed to be a student loan forgiveness program who was working on helping me with my student loan. They said they would be working on my behalf to get my total loan amount down. They withdrew {$430.00} from my bank account on 3 separate occasions, in XXXX, XXXX and then lastly in XXXX of 2020. I received a letter from my student loan provider and noticed no payments or progress had been made on my account. Said company Direct Account Management took money from me and did not provide any service to me nor have they done anything with my student loan to help me, but instead just took my money and have disappeared. They have not returned any of my calls and their main contact number is no longer in service.
Product: Money transfer, virtual currency, or money service

Since XX/XX/XXXX I started contacting Wells Fargo to issue a XXXX XXXX of credit for my international transactions. 
After several attempts of contacting, calls, branch visits, small business managers, they where always responding we will call you back and they never did it. In fact they provided a small key chain to authorize wire transfers which make me just authorize the wire transfers to the different vendors. I kept asking for the XXXX letter of credit or documentary letter of credit to secure my funds and they were always avoiding to respond. 
I started doing the transactions with the vendors and left me on a spot by my self just sending the payments and happens that this vendors never delivered the goods. 

After the production period they missed and delivery times for the goods they missed I started contacting the bank to make recalls of the funds due to non delivery and they took months and months to respond stating once you send the funds you are done. 

After all this situations just today XX/XX/XXXX I received a letter again from the bank that they tried to contact the paid banks and it was unsuccessful to recall the funds and that they where sorry for my loss. I have lost over {$210000.00} and they said they are not responsible after they never contacting me to provide these guarantees to avoid my loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I went on Experian 's website in order to view my credit report. when I logged on I was directed to a page that indicated that I needed to unlock my daily Fico score. So, I called Experian and was able to speak with a representative but as I began to explain my issue to the representative I was disconnected. Once I was disconnected I called back making attempts to speak with a representative, which never happened. Each day there after, including today I tried calling, emailing to no avail. Whenever, I called I was only able to communicate with the automated responses which never aided me in getting access to my credit report. I also requested my login information and was informed by the automated response that my login information would be sent to my email address which never occurred. As of today I am still unable to retrieve my credit report, my login information or email response to my direct inquiry to Experian. Please, I would greatly appreciate assistance in receiving my credit report from Experian.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to remove fraudulent information from my credit report, even though I provided documentation proving that the account listed with XXXX is incorrect. XXXX and XXXX promptly removed the information after I provided documentation. The incorrect information used by TransUnion is causing my credit score to drop by more than XXXX points! 

Attached is the documentation from the vendor proving that I did not and do not owe money.
Product: Checking or savings account

Hello, my name is XXXX XXXX XXXX, and Im contacting you regarding an issue with my Chex Systems report. Ive noticed an inaccuracy concerning bank records. I would appreciate it if you could investigate this matter and correct any errors. Its been affecting my credit and my personal capacity to open an account. Your failure to positively verify this account hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account.
Product: Checking or savings account

on XXXX XXXX XXXX i filed complaint to chime for after XXXX years why haven't i received my XXXXXXXX XXXX closure check. they responded thru cfpb that all i had to do is contact them back and they would send money that was after they cleared whatever minor deal u. all lies and excuses
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : 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: Credit card or prepaid card

I requested to have my account ( XXXX XXXX ) closed in XXXX. After checking in XXXX, the account was open. I chatted to XXXX, who assured me that the account was closed. Today, XX/XX/XXXX, I received a letter from HSBC that my account was being transferred to XXXX XXXX, whoever that company is. 
I spoke with XXXX at XXXX, who said that the account was closed, but the account number takes six months to drop off the website (? ) and that I received the letter in error. This is wildly suspicious.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX 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 setcion 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

These accounts are recorded in an inappropriate way in my history, I want it to be deleted XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX