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

XX/XX/XXXX I instructed Bank of America to pay my credit card company, XXXX XXXXXXXX XXXX XXXX XXXX, {$26.00}. Bank of America failed to do so in a timely manner. I was forced to pay {$61.00} to the credit card company directly due to Bank of America 's negligence. I have been a customer of BofA since XXXX with the same cell the Fraud Department calls with suspicious activity. There is no reason why I can not be reach by this department. They have failed to respond to me via cell and email.
Product: Credit card or prepaid card

On XX/XX/2020 Cash App blocked my old debit card from being used without my permission. Not knowing this at this date and time, a {$20.00} cash transfer was loaded unto my card. The original card was lost and i asked for a replacement. Cash App sent a placement card and never loaded the {$20.00} and gave me an old card Cash Tag App name of XXXX XXXX it should had been XXXX  XXXX XXXX. 
The Cash App help team has access to the replacements cards and has emailed more than several times denying to return the {$20.00} to the owner or forward it back to me. 
Mr. XXXX XXXX is the CEO of the prepaid money transfer entity in XXXX XXXX, CA at XXXX XXXX XXXX XXXX XXXX XXXX The organization also goes by the name Square Cash Please help me get my {$20.00} from this origanzation ASAP
Product: Student loan

In XXXX ( I was XXXX XXXX XXXX XXXX ) and the Promissary Note stated after XXXX XXXX in repayment the balance of the loan would be forgiven. I am now XXXX XXXX XXXX and I began repayment in XXXX. The payment count is XXXX based on the calculation of payments and student.gov has given credit for XXXX payments and are requiring another XXXX payments ( XXXX total ) to complete loan repayment. The previous administration stated in an email that all payments would be counted towards forgiveness regardless of the payment plan you are in. The goal post has been moved in my case. If XXXX payments are required to have loans forgiven and Ive made XXXX payments in total by their count, I should not have an additional XXXX payments to complete repayment. No one explained that by entering a repayment plan that I would lose XXXX XXXX or repayment and that should have been explained so I could have made a decision based on all of the information. Had I known that information, I would not have entered an XXXX payment plan in XXXX and I would have been complete with loan repayment in XXXX by the terms and conditions of the initial Promissary Note. In addition, FERPA has been violated by the current administration when they allowed XXXX to access my records without permission privacy. This violation of my privacy and FERPA policy should be taken in consideration for loan forgiveness as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I requested credit investigations with Equifax back in late XXXX. Well over 30 days have passed. My husband received his credit investigation results but I have yet to receive mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I responded to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, MD. XXXX, ( XXXX ) XXXX, XXXX pursue vehicle purchase ). After completing credit application, XXXX, XXXX XXXX, I received updated information from salesperson, credit score XXXX ( Equifax ). Thereafter, I responded to finance office, met with XXXX XXXX, who advised. '' monthly note will be approx. {$400.00} ''. I did not accept this offer. 

On XX/XX/XXXX, I contacted General Mgr. ( XXXX XXXX ), XXXX XXXX, to obtain additional information XXXX XXXX XXXX, and explore information XXXX XXXX XXXX. Afterwards, I did not accept offer. On XX/XX/XXXX, I responded to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, ( XXXX ) XXXX. I purchased XXXX XXXX XXXX. On XX/XX/XXXX, I received letter from XXXX XXXX XXXX XXXX XXXX, Notice of Adverse Action. 

Additionally, on XX/XX/XXXX, I received Notice of Adverse Action from Kia Motors Finance, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX : Application Number : XXXX. It appears because I didn't accept XXXX XXXX XXXX XXXX XXXX ' offer, they used the XXXX credit score ( XXXX ) to support sending the Notice of Adverse Action. If I would have proceeded with the offer, they used the XXXX credit score ( XXXX ). 

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, Ga, XXXX, ( XXXX ) XXXX, is currently Lien Holders my vehicle. Please see attached supporting documents. Thanking you in advance for your assistance with this subject matter. It's also important to " Do unto others as you would have them to do unto you ''. 

In closing, I agree to CFPB Publishing my description on consumerfinance.gov., with the understanding that ALL of my personal information is excluded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Equifax sent me a letter stating that they verified the information. XXXX XXXX I say. I dont consider sending some computer-generated generic letter verification. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax 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 my file at Equifax is 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 delete the items 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. Please update and correct my account right away. 

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

I mailed several letters asking XXXX to remove inaccurate accounts. They have yet to reply to any of my certified letters since XX/XX/2021. I understand they have 30-days to complete their investigation once they received my request. To date, they have not replied or conducted an investigation as required by law under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : Re : File # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SS # XXXX BD : XX/XX/XXXX I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is asinine! Please remove the fraudulent information immediately from my file. Home Address : XXXX XXXX XXXX. XXXX, NC XXXX Accounts : XXXX XXXX, XXXX. - {$100.00} ACCT # XXXX XXXX XXXX XXXX  XXXX XXXX - CLOSED ACCT # XXXX XXXX XXXX XXXX  XXXX XXXX - {$2500.00} ACCT # XXXX XXXX  XXXX/XXXX  - {$2600.00} ACCT # xxxxxxxxxxxx XXXX XXXX XXXX XXXX - {$4600.00} ACCT # XXXX You also have a few different listed addresses as my former address : XXXX XXXX XXXX  XXXX XXXX, XXXX, NC XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX I have never lived at these locations. I have been at my current home for the past 25 years. I have included a copy of my utility bill for verification. There was also an inquiry that I noticed that does not represent a request from me. It needs to be removed as well. XXXX  XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the provisions of the Fair Credit Reporting Act XXXX specifically 15 USC 1681 section 602 a, it is unequivocally stated that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and a deep respect for the consumer 's right to privacy.

As the consumer in question, I am asserting my right to ensure that my private information remains confidential, as reinforced by 15 USC 6801, which declares that financial institutions have a continuous obligation to respect customer privacy.

According to 15 USC 1681 section 604 a section 2, a consumer reporting agency may only furnish a consumer report under specific circumstances, one of which is in accordance with the written instructions of the consumer. It is imperative to note that both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX and transunion, XXXX, lack my consent and certainly do not possess my written consent to furnish this information. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 

Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without providing the consumer with an explanation of how they can exercise the nondisclosure option. The ( Furnisher of information to credit agencies ) failed to inform me of my right to exercise this option, thereby violating the law.

The reporting of adverse information without my permission is also a breach of 15 USC 1681C ( a ) ( 5 ), which explicitly prohibits consumer reporting agencies from including adverse items of information that antedate the report by more than seven years. XXXX and XXXX are in violation of this provision. 
Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A asserts that no person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX transunion and XXXX are falling short of maintaining reasonable procedures, as mandated by 15 U.S. Code 1681e, which requires consumer reporting agencies to have procedures designed to avoid violations and limit the furnishing of consumer reports to specific purposes.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX I sent bitcoin as a payment through cash app. I paid extra for rush services. This is usually received within XXXX mins. A few hours later it was still not received I follow the link to the block chain and it stated Transaction not found I tried reaching out through their chat system only to go in circles after typing agent they said one would be in touch with me. I happen to see the messag pop up a few hours later and immediately responded and was told shed have a specialist get back to me. I reached about XXXX more time through the chat Over the next 3 days and havent received a response since the would told me shed have a specialist get in touch with me. I have also been calling I made XXXX calls each time it told me to use the chat for immediate assistance or press 1 for a call back. After hitting 1 and waiting a few more hours my phone would ring with a California number and each time it would say we are sorry you missed our call please call back and an agent will return your call then disconnect the call. I would just like my money back if the cant proceed with my transaction nbut there is no way to speak or chat with anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a full explanation and provided necessary documentation. The bottom line is the main issue for all consumers according to statistics and great record keeping by the CFPB, they errors on our credit reports are coming from the credit reporting agencies that are furnishing our reports. Feedback : only hire people in this very important position that truly have a XXXX to serve the community. Banks pay these agencies for negative data so they can then charge the consumer with bad credit more interest which is flat out predatory. Please include XXXX and XXXX in this complaint requesting full investigation of their employees as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

XXXX received certified letter in mailbox with card missing for certification from NFCU. Envelope stamped XX/XX/XXXX XXXX Notice. XXXX dated XX/XX/2023. Formally notified that mortgage holder NFCU is advising the loan is in default for failure to pay amounts due. 
I believe this is a retaliation for XXXX with CFPB, which was settled with a Heloc and paid with all amounts due through XXXX per the statement given by NFCU provided XXXX site. Reviewing the date the wire transfer made to NFCU from the funding account a credit of {$25.00} was applied to the principal of the mortgage on XXXX, the same date of this letter. The representative I spoke to today mentioned it must have been auto printed that morning of the XXXX. The question I have based off the data, it does not reference any other unpaid sums before the wire transfer took place in the afternoon, it references The loan payment and subsequent payments, plus late charges, fees, and other costs, was due on XXXX XXXX. As of the date of this notice, the total delinquency and reinstatement amount is {$25.00}, which consists of the following : Next payment due date XX/XX/2023 Current Monthly Payment {$1400.00} Total Monthly Payments Due {$0.00} Late Charges {$0.00} Other Charges Uncollected NSF Fees {$0.00} Other Fees {$0.00} Corporate Advance Balance {$25.00} TOTAL REQUIRED TO CURE DEFAULT {$25.00} This continues on for the rights to assess fees etc for the declaration of XXXX on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I had pulled my 3 credit reports ( all 3 through XXXX ) on XX/XX/XXXX and FICO scores were XXXX on each with a very low credit use to credit limit ration ( 1 % ). 

Recently, I applied for a HELOC and one bank pulled XXXX report and correctly showed my high credit score ( XXXX as XX/XX/XXXX ). 

A second bank ( XXXX  ) pulled my Equifax report and it INCORRECTLY showed the XXXX for my credit score. 
In addition, Equifax reports INCORRECTLY that my high credit ( that was reported only once during the reporting period ) was the same high credit for EVERY SINGLE month starting on XX/XX/XXXX for all my credit cards. 
For example, for my XXXX, it shows I have a high credit {$18000.00} for every single months since XXXX XXXX. I have had that balance only once since opening the account in XXXX, and since XXXX XXXX my balances have been from {$0.00} ( 54 % of the time ) to {$1200.00} ( once ) maximum. 
The same situation is with all my other credit cards that it shows incorrectly that I have carried my lifetime highest balance as a high credit balance every single month for the past two years. 

Also, as key factors for my XXXX score, it says " amount owed on revolving accounts is too high '' and " proportion of loan balances to loan amount is too high ''. How can this be when Equifax reports in the summary section says that my Revolving total balance is {$680.00} and credit limit is {$78000.00} ( debt-to-credit 1 % )? 

XXXX has therefore not accepted my loan request amount and has instead offered a much lower loan request.
Product: Payday loan, title loan, or personal loan

I recently got hit with a 30 day late payment from XXXXXXXX XXXXAcima. I been set up on automatic payments from XXXX for a ring that I have never received. I been calling and speaking to reps to assist me or give me a resolution. I received an email XX/XX/2019 stating the ring was ready to be picked up. I never got the ring and on XX/XX/XXXX I received an email saying they verified with merchant and " confirmed '' I took the ring and in the same email they are asking for my mailing address to ship me the ring ... and once i have the ring I can cancel and issue a return. On XX/XX/XXXX I spoke to customer service they said they would investigate and get back to me and they would stop charging me. I been waiting for a follow up call and I haven't heard anything. but I got a late payment for this month, I been getting charged a total of {$600.00} for a ring I have NEVER received.
Product: Debt collection

I requested kindly that MRS ASSOCIATES provide legal documentation regarding information transmitted to the credit reporting agencies for me. With regard to the asserted account XXXX. I am asking for a contract between myself and MRS ASSOCIATES. I hereby request that your company delete this account from my credit report and stop all contact with me. Pursuant to the Fair Dept Collection Practices Act, 15 U.S.C. section 805. You are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. MRS ASSOCIATES is trying to collect on a account and enforce a claim that I do not recognize ever doing any business with XXXX XXXX. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by MRS ASSOCIATES should not be deemed truthful and may bespeak your disregard for consumer protection statuses. Please delete this fraudulent account at once. I also had a fraud account from MRS ASSOCIATES for account XXXX as I have never had an account of done any business with his company.
Product: Debt collection

Portfolio Recovery is a debt buyer who is misreporting to at least XXXX, XXXX  and XXXX, a debt they bought from XXXX XXXX XXXX, specifically my old MasterCard # XXXX. Its a very old account of mine that I last made a payment on or about XXXX, XXXX. Portfolio lists the debt on the credit reporting agencies as of the date they bought it from XXXX XXXX, which was around XX/XX/XXXX. 

Although I have had numerous phone calls and letters exchanged with Portfolio, they refuse to report this debt accurately to the credit reporting bureaus. It should be removed from the credit reporting bureaus as the debt is older than 7 years. 

Can CFPB help me?
Product: Checking or savings account

Hello CFPB, I would like to file a complaint to Citibank. Last week Wednesday XX/XX/2021, I was trying to transfer my money of {$190000.00} from Citibank to my XXXX XXXX Account. I was not able to complete the transaction online because the Citibank external transfer is limited to {$10000.00}. And I called Citibank, the representative suggested me to do a wire transfer instead. And I did the wire transfer on the phone with the Citi representative under her instruction. And the representative told me to call back the next day to confirm the wire transfer. 
On Friday XX/XX/2021, I called Citibank, the first representative told me she wasn't able to confirm with the transfer and told me to call back in 3hours. I waited and called again, the second representative said she was not able to confirm and said someone will contact me for confirm, I waited for another 3hrs, no one have ever contacted me. Then I called Citibank again on the same day evening, same response, they can not get a confirmation. 
On Friday XX/XX/2021, I decided to cancel the wire, and tried to pull the money from XXXX external transfer from Citi in two transactions, {$100000.00} on XX/XX/2021 and {$90000.00} on XX/XX/2021. 
Today morning XX/XX/2021, I got an email from XXXX indicated that my account from Citi is frozen and they are unable to do the transfer. 
I immediately called Citi to find out what is happen to my account, I waited an entire day for an answer, the representative told me that they will be able to unlock my account with the fraud prevention department, but wait an hour wait, and verification with the fraud prevention department, the representative told me he was not able to unlock my account, and the account is still under review. 
Citibank case number is XXXX, and the person from the fraud department name is XXXX. 
The money that I initially deposited into Citibank came from the same account that I was going to transfer my money back, XXXX. Both accounts below to myself, solely, and with the exact same name on the account. There is no reason for Citi to hold my fund. 
Citibank is taking unreasonable amount of time to review my account for almost a week. and I'm still not able to access to my own money!!! 
Please help me to fix this problem. 

Thank you. 

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

Im a victim of identity theft. All the criminal charges that are appearing on my consumer report are fraudulent and dont belong to me. I dont recognize them nor did I authorize them. I ask that you follow the guidelines of the FCRA Section 605B and please delete and blocked all fraudulent information from consumer file. Attached is a copy of my Ftc, Police Report, section 605B of the FCRA and a copy of my Drivers license.