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

XXXX, has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

This involves my PNC Bank checking account. I do not have any form of overdraft protection with my PNC account. They are supposed to decline charges. However, on XX/XX/21, I was charged two {XXXX} overdraft fees ( {XXXX} ) for two charges totaling less than {XXXX}. In addition : there was a pending deposit on the account sent the previous day around XXXX, which would and should have prevented the overdrafts. In addition to that, I am signed up for account alerts, including overdrafts, on my account. PNC did not notify me of any overdrafts until AFTER the fees had been charged. 

The first point makes it illegal to do what PNC did. The second two illustrate how this bank is unethical and not acting in good faith towards its customers, instead trying to milk fees out of them even if it involves shady business practices.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of accounts that were fraudulently opened in my name as a result of a data breach. I am a victim of identity theft, and these accounts are not authorized by me. Under the provisions of the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am entitled to have these fraudulent accounts permanently removed from my credit report. 
The fraudulent accounts are as follows : 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, 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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX Has violated my rights. 

*XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX TX 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 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

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 has violated my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states, a consumer reporting agency, can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency may make any consumer reporting containing any of the following items of information any other adver
se item of information, other than records of convictions of crimes, with antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnished 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: Money transfer, virtual currency, or money service

Hello good afternoon, my complaint is for the web COINBASE.COM. 
I have had the account since 2017 and always verified .... a year and a half ago they restricted my account and I was like that until 3 months ago that I wrote to you and it was solved for a short time because now I have been with the account again for 2 months and on its own website it says that I have all the data verified ..... I don't know what to do anymore. 
Thanks
Product: Money transfer, virtual currency, or money service

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

In XX/XX/2024 I suddenly lost my job due to the company I was working for decided to no longer contract with the client company I was working at and therefore was laid off. Since then I have been struggling to pay all bills as I have been unemployed and only finding work perdiem ( as needed ) so therefore I was not able to make the monthly payments due. I contacted Bank of America credit card customer service to inform them of my financial hardship, but I was informed by a representative that there was nothing that could be done as they dont have any programs for those undergoing financial hardship. The only thing they did was refer me to a XXXX party company ( XXXX XXXX  ) company. I contacted the company and underwent an assessment of expenses I have to pay monthly. After the assessment, I was told that my monthly expenses and bills exceeded my monthly income and just pay what I can afford on the credit card bill until my income status gets better. This did not resolve my issue as the monthly bill increased and APR interest rates increased making it even more difficult to pay. I called back Bank of America credit card company and complained that the company they referred me to did not help me, all the representative of Bank of America did was apologize profusely and that was all, so still my problem remains and I am completely devastated that as a loyal customer of Bank of America for 20plus years they refuse to give me grace and help. This is injustice and a disgrace that Bank of America represents themselves in such a manner. I need help to resolve this issue immediately.
Product: Credit card

On XX/XX/XXXX I accepted XXXX balance transfer offers online for XXXX credit cards for companies owned by XXXX Bank, including XXXX Bank itself. Both offers were accepted for a transfer of {$15000.00}, per card. XXXX was with XXXX Bank directly for my acct ending in XXXX. The other was with XXXX XXXX XXXX ( XXXX XXXX ) who is XXXX by XXXX Bank. That credit card acct ending in XXXX. Both these balance transfer offers were available to me and within my credit limits. Their own written offer terms state the following : " Time frame : It XXXX take up to XXXX weeks to process your balance transfer. '' As of, today, XX/XX/XXXX, these transfers have still not posted to the account stipulated. I have called both XXXX Bank and XXXX ( XXXX ) on more than XXXX occasion since XX/XX/XXXX about this matter. The terms of the offer in XX/XX/XXXX was a 3.99 % transfer fee for 0 % interest through XX/XX/XXXX billing cycle. Which to me was/is 13 months from XX/XX/XXXX. They have since told me on the phone, " we're working on it, " we had a problem with balance transfers in XXXX, '' " we're sending the checks tomorrow, '' XXXX won't get 13 months you'll only get thru XX/XX/XXXX billing cycle. '' After all of this, the checks still haven't come and I am paying 9.75 % APR ( {$8.00} per day ) waiting on them. {$15000.00} from XXXX Bank. {$15000.00} from XXXX. {$30000.00} total. In the meantime, they have reduced my credit availability on these cards ( credit limits of {$20000.00} on each card ) to {$5000.00} available, per card. The {$15000.00}, per card, that they haven't paid is also being charged against my credit limits. This is all unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax experienced a security breach and I have been identified as a potential victim. As a result, it 's possible that unauthorized parties have accessed my social security number, date of birth, address, and other private information that can be used to steal my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, XXXX and TransUnion Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX and TransUnion Credit Bureaus are responsible for their tenacious rebelliousness. XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$2100.00} ; XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXXXXXX Balance : {$2400.00}.
Product: Checking or savings account

I recently decided to close my safety deposit box with Chase Bank in XXXX, California and I made an appointment for the following Saturday, XX/XX/XXXX at XXXX XXXX. Unfortunately, I got sick with XXXX and was very XXXX, Saturday, XX/XX/XXXX, was my first opportunity to close my safety deposit account. I closed the safety deposit box account and I asked if I could have the {$70.00} annual rental fee reversed. She said she could not, the system would not allow her to do so. I asked to speak with her manager who said the same thing, the system would not allow them to reverse the fee. I asked them to give me back my safety deposit box since I am already paying for it for another year. They said I could not have my safety deposit back even though I paid for it since it was now closed in the system. I am asking to please either return my {$70.00} or allow me to keep my safety deposit box which I have now paid rental for another year. Or prorate the rental fee since the annual rental period started on XX/XX/2023, 2 days prior to the day I closed the account.
Product: Mortgage

My father died XX/XX/2018 There was a check issued from his escrow account on XX/XX/2018 for XXXX to XXXX  personal loans the account was not paid my dad died XX/XX/2018 XXXX terminated his account as of XX/XX/2018 which a copy of the termination was sent to guild mortgage they refused to refund the money to my mom I just don't understand how they can pay a terminated account with a voided check I sent the documentation XX/XX/2018 They replied XX/XX/2018 saying they would disburse the funds because there was no documentation to prove otherwise.
Product: Credit card

These accounts were never given my permissible purpose to furnish this account. Further more they infringed upon my rights to privacy in pursuit to 15 USC 1681 ( 4 ) these corporations have caused damage to me mentally and financially in pursuit to 15 USC 1681 a ( 2 ) ( 1 ) any transaction or experience should be excluded from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX and multiple students unfortunately we're stuck with the scam of three advisors who implemented loans and sign for them that WE THE consumer were stuck with. 
They investigated and reported it wasn't mine although I had to report TO XXXX for 3 years, proved I am XXXX, not working, they kept selling it, transferring it, Finally issued paid off, but it keeps reappearing as open, transferred, Duplicated 3 times on my report and or paid by XXXX XXXX Department of Education several times on my credit report. I disputed, they sent DELETED, but it's still there. I have sued them three times already, & Won, and it says it's removed from my credit report but there is duplicate copies and a third one on there which they refused to remove from about 7 years ago. 
I'm tired of begging for something that never mine from the start.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and delete them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called XXXX University while enrolled at XXXX for my XXXX -- Checking on their class schedule for comparison ; The sales person enrolled me in an intro class -- I did not authorize, did not attend. 
-- I spoke to school business management -- who told me that the charge would be removed. The school after several attempts has failed to remove charge and sent to collections : Caine Weiner ( they told me to call school. )
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX  XXXX XXXX This erroneous account has already been deleted from XXXX and needs to be deleted immediately. 
Account ( s ) : Recently, I did an Investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately.
Product: Debt collection

I disagree with your choice to deny my allegation of identity theft. Why do you have the right to determine whether or not I am a victim? You have neither the authority nor the legal basis to make such a decision. If you don't agree to my claim, I'll get help from my lawyer to take this matter to court. I must stress that my identity theft claim complies with all legal requirements. As required by law, I have turned in an official report to a government agency. Together, let 's work to find a solution to this problem in the allotted five days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to be very clear that I will not stand by and allow this egregious injustice to continue. You will pay a price if you continue to reject my legitimate claim. I have no qualms about consulting with my lawyer and seeking a court order to address this ridiculous circumstance. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. 
My frustration and anger are beyond measure, and I am resolved to see this blatant injustice rectified. The law is on my side, and I will not rest until justice is served.
Product: Credit reporting or other personal consumer reports

I've been asking them to provide me documentation from the federal court stating that this belongs to me and they haven't provided me nothing all they do is go through XXXX which is not a legitimate contact
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an email from Experian stating my credit score had been reduced by XXXX ( from XXXX to XXXX ) points without explanation. I logged into my Experian account, but there was no explanation for the reduction in my credit score. I called Experian on XX/XX/XXXX to find out why, but the representative was unable to find any reason. They told me they were referring the matter to a supervisor who would email their findings to me. I never received that email. I called back on XX/XX/XXXX, and was told it wasn't Experian who lowered my credit score, but XXXX. The representative told me to refer the matter to XXXX. XXXX referred me to CFPB. I also feel Experian is excessively sending emails to me. I have received XXXX emails from Experian during the month of XXXX alone, inviting me to apply for product ( s ).
Product: Vehicle loan or lease

I purchased a XXXX XXXX at lease end in XX/XX/XXXX, using a loan from credit union. My town has a property tax on cars that is billed after the fiscal year is over. The tax bill goes to the listed owner, which in this case was XXXX XXXX XXXX. I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX that {$250.00} had been paid on my behalf for property tax and the amount was added to my account. I therefore sent a check via my online banking to XXXX XXXX XXXX c/o Chase with the same account information that I had used to pay lease payments. This check was returned as the account was reported as paid in full. 

I have tried calling XXXX on two occasions and have spoken with 4 different service representatives, none of whom could help me. They eventually referred to an agent named XXXX at XXXX XXXX. I have contacted her twice and was sent to voicemail both times and have not heard back. It appears Chase has sent this to collections, but I can't get a clear answer. I can not get anyone on the phone to send me a bill in writing to clarify what I owe or to whom nor how to pay it.
Product: Credit reporting or other personal consumer reports

I checked my transunion report and noticed a unauthorized/fraudulent inquiry from XXXX XXXX XXXX XX/XX/year> I checked my Equifax report and noticed a unauthorized/fraudulent inquiry from XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I recieved a call from a Debt Collection Company ( XXXX ) saying that they received my information from Synchrony Bank and that I owed a {$110.00} debt that they were collecting on ( from a XXXX debt ). I explained that I did not have a PayPal credit card, and that all Syncrony Bank debts have all been paid ( current balance {$0.00} ). The woman on the phone told me that for additional information regarding what the {$110.00} balance was referring to, that I would need to call Syncrony directly, and provided a number.

I called Syncrony from the phone number found via XXXX ( fearing a scam ). I called many different numbers but was unable to actually speak with a customer service rep. After about 30 minutes of trying, I finally called the number provided. It sounded like a legitmate Syncrony Help Line ( even mentioned FDIC Insured and that the call was recorded ). The customer service rep asked for my phone number and confimed my {$0.00} Balance. The rep DID ask for my social security number to look in the system to confirm there were no other outstanding balance that may not be tied to my phone number. Again, no outstanding balances. 

Overall, I am not sure what happened here- but I believe the inital call to be a scam.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information Hey Experian, To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify having permissible purpose of. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports : You can not furnish information unless you have my written permission.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

If you have documents containing my WRITTEN INSTRUCTIONS then show proof otherwise delete this information immediately.

Please send an updated copy of my credit report to me via the CFPB portal. According to the act 5 U.S.C. Sec. 1681i ( a ), there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 12 months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX