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

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX  is furnishing. 

LIST OF INACCURACIES FOUND ON XXXX XXXX CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX  complied with this requirement.
Product: Credit card or prepaid card

I contacted my credit card company and asked for a reduction in my very high interest rate of XXXX. I explained my financial hardship and spoke to XXXX different customer reps. I am a single mom with XXXX children. I am paying so much in interest that I will never pay this card off. I'm frustrated because I want to pay off my debt. I was told that I need to be delinquent before they can help me. I asked for a payment plan where I can pay around XXXX dollars a month and get this paid off asap. I also said if they needed to close my account to do this, I was willing to do that. They said I had excellent history but had no offers at this time to help me. They also didn't want to lose me as a customer. I have tried numerous times to work with them. Do I need to not pay my bill to get help?? Please help me.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account voluntarily and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I WAS IN THE PROCESS OF RE-FINANCING MY HOME AND NEEDED TO PAY OFF MY DEBTS AS PART OF THE DEAL. THE ESCROW COMPANY SENT OUT PAYMENTS TO MY DEBTORS WHEN LOAN WAS PROCESSED. ONE OF MY DEBTORS, DCI, I OWED XXXX FOR AN OLD XXXX XXXX. I SPOKE TO DCI AND MADE PAYMENT ARRANGEMENT WITH THEM TO SETTLE FOR {$650.00}, WHICH I HAVE IN WRITING ON XX/XX/XXXX. THE LOAN PROCESSED THE VERY NEXT DAY AND THE COLLECTION COMPANY DCI WAS SENT THE ORIGINAL XXXX OF {$1400.00}. ON XX/XX/XXXX I CONTACTED DCI AND EXPLAINED MISTAKE AND REQUESTED A REFUND. THERE WAS NO RESPONSE FROM DCI AND I REQUESTED A REFUND AGAIN ON XX/XX/XXXX. I GOT NO RESPONSE. I REQUESTED A REFUND AGAIN ON XXXX WITH NO RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner and are causing me financial harm.
Product: Mortgage

As previously stated, I pay my loan bi weekly to BSI. my XXXX  account. Sends the money to Bsi by weekly instead of the loan company. Paying my loan. They add my payments to a separate account. That does not reflect of my account being paid on time. In turn They reported my account negatively to the credit bureau in XXXX in which I have spoke to several agents by the name of XXXX. XXXX and XXXX have all confirmed via telephone. That my account was paid on XX/XX/XXXX, which should not have been reflected as late because it was not XXXX  days late. In fact, my account was up-to-date. XXXX is refusing to remove the negative report of XXXX. Late payment from my credit report. When in fact my account was paid. I wish I had this removed from my credit report. As is hindering me from applying for home loans, car loans and business loans.
Product: Checking or savings account

I bank with us bank. I get my social security and VA pension direct deposited at the beginning of every month. On the XXXX of XXXX I was informed that my accounts were frozen and that they were closing my accounts. I was also informed that they no longer wished to do business with me. The reason for closing my account is that I was applying for a loan over the phone and didnt realize it was a scam. I unfortunately gave out all my information and the scammers tried to cash multiple checks on my account. I have been told by us bank that they would be closing my account but that it takes 15 business days and they would issue me a cashiers check which could take an additional 10 days and then however long it takes to come in the mail. It is now the XXXX and Im still being told they havent closed the account yet and that it wouldnt be till next week which then it will take another 10 days. XXXX XXXX XXXX XXXX and this is my only income. All my bills including my life insurance policies are now in arrears and am facing starving and no medications. I cant even pick up my prescriptions which keep me alive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of identity theft, and I did not consent these credit inquiries.
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

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

To whom it may concern : I am writing to dispute the inclusion of a cellular bill on my credit report. I have reviewed my credit report and noticed a statement from a cellular provider that I do not recognize. I have never had an account with this provider or received any services from them. 

This bill has been included on my credit report in error. Please investigate this matter and remove the account from my credit report immediately. I am concerned that this bill may affect my credit score and would like to remove it quickly. 

Thank you for your attention to this matter. 

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

I spoke with XXXX XXXX XXXX XXXX XXXX about a vehicle, during the time of working with the salesperson I let her know that I have a fraud alert on my credit report and that I needed to be verified each time my credit report is accessed. She stated that she understand. 

A little later I started seeing all of these hard inquiries on my credit report and I asked her why/how where they being done without my verification? I also named the banks and she stated that it was not them so I locked my report again. 

Then she stated that they were having difficulty getting me approved, but I had already received a letter from XXXX XXXX XXXX XXXX stating that they were unable to verify me therefore they were not going to approve me. This prompted me to call several of the other places that I was seeing on the alerts that she ( XXXX from the dealership ) stated that they were not using and ; XXXX- gave me a case number XXXX stating that they would remove the inquiry because there was no signature. 

XXXX XXXX  - is refusing to do anything they are basically acting like they know nothing. 

XXXX XXXX XXXX let me know that not only was it not me that attempted to verify the identification process but my wrong birthdate was given. 

XXXX XXXX XXXX does not have a number where you can actually reach a person or leave a message. 

There are multiple others with acronyms that are difficult to decipher, but in essence what this dealership did was continue to submit my information over and over improperly in an attempt to make this sale. I understand that in the wake of the pandemic we are doing things differently where we are minimizing exposure due to Covid. This was the reason why I was trying to handle this remotely but as opposed to doing it the correct way this dealership decided to expose me and my information for their benefit and it cost me my security.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX TXXXX XXXX XXXX ) XXXX XXXX : {$780.00}.
Product: Credit reporting or other personal consumer reports

I am filing this complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as well as other applicable federal regulations protecting consumer privacy and credit reporting accuracy.

Right to Privacy Under FCRA According to the Fair Credit Reporting Act, 15 U.S.C. 1681, Section 602 ( a ), there is a clear mandate to ensure 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. Therefore, my rights to privacy must be upheld in accordance with this provision. 
Protection of Nonpublic Personal Information 15 U.S.C. 6801 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.

The furnisher of information to the credit agencies is a financial institution by definition. As such, they are obliged to keep my personal information secure and must not share my data without adhering to the law. 
Requirement for Written Consent Before Furnishing Information 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) stipulates that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. 
Neither XXXX, Experian, XXXX, nor the furnisher of information have received my written consent to report or share my private information. Any prior consentwhether verbal, implied, or otherwiseis hereby revoked. 

Right to Opt Out of Disclosure 15 U.S.C. 6802 ( b ) ( c ) clarifies that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never informed of my right to exercise a nondisclosure option. 
Furthermore, 12 C.F.R. 1016.7 states, A consumer may exercise the right to opt out at any time.

I am formally opting out of any reporting or sharing of my personal or financial information by these entities.

Accuracy and Reasonable Procedures Under 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ), a furnisher of information 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.C. 1681e requires every consumer reporting agency to 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, because they continue to publish and distribute inaccurate, outdated, and unverified information despite the statutory requirements.
Product: Credit card or prepaid card

Creditor extended secured credit of {$200.00}. Card associated with this account was never sent/received. Requested the card several times. Creditor had counted {$190.00} worth of charges for the card I had never even received, then closed my account and kept the security deposit.
Product: Money transfer, virtual currency, or money service

XXXX has been blocked by pnc. I can not connect to send money and it is something pnc did to prevent it.
Product: Credit reporting or other personal consumer reports

I found information on my credit report that is not accurate. According to 15 USC 168iEB. You are supposed to assure maximum possible accuracy. This amount should show accurate information according to the Fair Credit Reporting Act. Update ( XXXX XXXX XXXX ) promptly to accurate status as paid in full with no balance owed to XXXX XXXX XXXX, per 15 USC 168iEB. Document showing No XXXX  owed has been attached to this document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed Experian a letter of my intent to sue regarding the bankruptcy on my credit report that they uses XXXX XXXX as their furnisher. My letter of intent to sue was mailed via USPS with tracking # XXXX. Not only did I supply Experian with the XXXX XXXX results showing the bankruptcies came back unverifiable. On the XXXX XXXX results page, that I have already sent, is a website and passcode to pull my most recent XXXX XXXX Report where you can scroll down to the bankruptcy section and see that it has been removed. XXXX XXXX is no longer a furnisher of bankruptcies regarding my self. I also received a letter from the courthouse stating they do not furnish any information to ANY CREDIT AGENCY. Unfortunately the XXXX XXXX report is too large to upload to the CFPB
Product: Checking or savings account

On XX/XX/2021 I received a debit card, and 2 postcards stating that I opened a checking & savings account with XXXX XXXX XXXX XXXX  and that I authorized them not to pay overdraft fees the next day I received 2 letters stating they were closing those accounts. Then today XXXX XXXX I received an email welcoming my to TD bank, that I opened a savings and checking with them which I did not do, then a second email stating that I changed the email address on the account... I called the TD bank number to explain that I don't have any accounts with them & the woman could not really assist me as the closest branch of their bank is almost 100 miles away from my home. All accounts were opened under my married name, XXXX, and when I got divorced I went back to my maiden name. That was 7 years ago. How do I get help, how do I fix this?
Product: Debt collection

My name is XXXX XXXX. On XX/XX/2017 I received a collection notice for XXXX work completed and paid years ago. 

At the time of XXXX procedure, XXXX XXXX XXXX asked that I take out a credit card in order to pay for all of their fees. 

I did that. I took the credit card and paid the credit card off. 

Now, years later, I am getting a letter telling me that I owe {$250.00} for XXXX work. The collection agency is Transworld Systems Inc. in XXXX XXXX PA sent me the letter. 

I immediately wrote them back telling that this was a FRAUDULENT charge. I am XXXX years old!!! They must think that I do n't have my affairs in order. The truth of the matter is that I have an money manager for a wife. She has all financial transactions in her accounting ledgers. We can go back 20 years and know exactly what we paid and when those checks were cashed. 

in any case, I do need your help in sorting this out with me. They may just ignore me and continue to accrue late fees. 

I want to make sure that my perfect credit score is NOT harmed with this collection. thank you XXXX XXXX ( XXXX ) XXXX XXXX
Product: Credit card or prepaid card

I paid Barclays Bank who service my XXXX XXXX XXXX {$3700.00} on XX/XX/XXXX via an electronic payment from XXXX. I had XXXX fax them the electronic confirmation on XX/XX/XXXX since Barclays failed to apply the money to my account. I contacted Barclays-XXXX XXXX creditor via phone on XX/XX/XXXX and spent an hour on the phone and am being told it will be 1 to 2 billing cycles before they apply the payment they confirmed they received. I am being charged interest on a balance I do not owe. If the payment had been applied on the XXXX or XXXX this account would only have a balance of around {$400.00} dollars but instead has a balance being charged interest each day of over {$4000.00} dollars. 

I am being told they will contact me back about my case in 7-10 days. I should not have a case. They have confirmation of payment but they refuse to apply it in a timely manner and credit me the interest. 

I am being told its because they have millions of accounts they recently transferred from XXXX Bank. Which is not my problem they have been paid and are holding my money in limbo while they charge me additional fees and interest for a balance I do not owe them. 

I want my payment credited retroactive to the date they received it on XX/XX/XXXX and any interest credited as well.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, {$170.00}, In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 O 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account an open and consumer credit plan as late any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to remove FRAUD and FREEZE ALERTS PERMANENTLY due to Experian systems and options Remove is needed within 24 hours
Product: Checking or savings account

Bank of America gave CD funds to wrong beneficiary. Bank will not allow me any information because my POA expired when my Mother passed away, but the CD was renamed to my Mothers Revocable Living Trust in 2009. 

After my Mothers passing, her Trust was not provided with CD funds. The Banker at B.O.A. would not provide me with any information regarding the CD even though I am the Trustee of the Trust!
Product: Debt collection

I have been called multiple times by two different collection agencies in Utah. One is called XXXX   XXXX and one is called the CBE Group. The CBE Group has been abusive and has refused to stop contacting me despite the fact that I have told them multiple times that I have never received any notice from them in writing. They have told me that because they sent it, it doesn't matter if I received it. The two collection agencies are trying to collect on the same debt.
Product: Checking or savings account

On approximately XX/XX/2019, Santander Bank removed my opening deposit from all my accounts causing many of them to go into overdraft. This was done without any contact from anyone at the bank. 

I received a letter ( which I have attached ) from XXXX XXXX saying all funds would be refunded which has not yet happened. My husband and I have received only {$4500.00} of the {$6500.00} we are expecting to receive from the letters XXXX XXXX has sent. 

I have yet to receive account statements, I have yet to get a follow-up call from XXXX XXXX after my husband and I have left messages. 

I am requesting the overdraft fees be refunded on all our accounts as we did not authorize the transactions to take place and had no knowledge this was happening. I would also like to receive a copy of what credit cards you have refunded the money to, because I have yet to receive all of the money. 

Thank you for you quick reply as I will be filing another complaint if this goes on my XXXX   report. Banks should not be able to take money from someone without consent, charge overdraft fees, and not give the money back to where I was originally charged.
Product: Credit reporting or other personal consumer reports

Credit inquiries on your report that you don't recognize XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Finance/Personal XXXX XXXX  XXXX Automotive XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting Items as unverified information without providing any proof within the period allowed by law. The following Items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX **** Balance Owed : {$320.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've put various complaints in w ith Barclay  regarding fraud committed by at the time my husband in which he had also taken  XXXX  other credit cards out under my name and each of those banks, did their investigations and found all credit cards taken out in my name to be fraud. Those credit cards are  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX  , utility bills, gambling sites, and IRS. Also included was IRS and Mai l Fraud.  This particular credit card company because bills were being sent to the address they have on file which was my current address is the reason they are not investigating this as fraud. My husband was   XXXX   I worked and he did n't work and was receiving all mail correspondences at this home. I 've never seen a bill or even knew he had used my ss number to take this card out. I received a letter from a  XXXX   XXXX  - Customer  Advocate Team  in which I 've emailed him back on numerous occassions and he never responded to any of my emails including the police report filed, letters from other banks stating fraud was committed as well as filed numerous complaints. I have discussed this with my lawyer who has asked me to do a final contact  to Barclays  before I take other actions. After reviewing all the proof I 've collected to my lawyer, my lawyer stated I can receive serious damages for the credit issues my husband at the time has caused. There is  a PFA  against  XXXX   XXXX  and I am prepared to work with  Barclays to  sign anything needed to clear me from this fraud. Please let me know